BlastPoint's Credit Union Scorecard
CALIFORNIA
Charter #24980 · CA
CALIFORNIA has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.1% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 16.14% above tier (higher cost structure)
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Deposit Growth Rate: Bottom 0.1% in tier
- - AMR Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
215,150
+1.5% QoQ
|
-95.8K |
310,918
+6.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 7.7% in tier |
| Assets |
$5.4B
+0.2% QoQ
|
$-363.7M |
$5.8B
-1.1% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$3.6B
+2.1% QoQ
|
$-649.6M |
$4.2B
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$4.9B
-0.0% QoQ
|
$-29.6M |
$4.9B
-1.3% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.5%
+28.5% QoQ
|
-0.4% |
0.9%
+35.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
2.5%
+0.6% QoQ
|
-0.7% |
3.2%
+9.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
81.3%
-4.3% QoQ
|
+16.1% |
65.2%
-9.0% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
0.4%
+12.2% QoQ
|
-0.3 |
0.8%
+23.8% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
73.0%
+2.1% QoQ
|
-12.7% |
85.6%
-0.2% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
15% |
| AMR |
$39,116
-0.6% QoQ
|
+$7K |
$32,010
-7.3% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
27.1%
-1.9% QoQ
|
-1.2% | 28.3% | 22.2% | 20.0% | 41% |
| Indirect Auto % |
2.9%
-1.5% QoQ
|
-13.9% | 16.8% | 9.2% | 7.7% | 23% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)