BlastPoint's Credit Union Scorecard

CALIFORNIA

Charter #24980 · CA

Large 5B-7B

37 CUs in 5B-7B nationally 6 in CA

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CALIFORNIA has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Charge-Off Rate: Top 2.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.0% in tier
- ROA 0.45% below tier average
- Efficiency ratio 18.36% above tier (higher cost structure)
- Member Growth Rate: Bottom 0.0% in tier
- Asset Growth Rate: Bottom 0.0% in tier
- Loan Growth Rate: Bottom 0.0% in tier
- Deposit Growth Rate: Bottom 0.0% in tier
- AMR Growth Rate: Bottom 0.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	212,037 +4.6% QoQ	-95.8K	307,793 +7.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 8.1% in tier
Assets	$5.4B +0.7% QoQ	$-356.5M	$5.8B -0.2% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	35%
Loans	$3.5B +0.0% QoQ	$-677.0M	$4.2B +0.4% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	16%
Deposits	$4.9B +0.7% QoQ	$-29.5M	$4.9B +0.2% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	54%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -30.3% QoQ	-0.4%	0.9% +47.0% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 10.8% in tier
NIM	2.5% +6.3% QoQ	-0.6%	3.2% +9.8% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 13.5% in tier
Efficiency Ratio	84.9% +7.6% QoQ	+18.4%	66.6% -11.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 5.4% in tier
Delinquency Rate	0.4% -15.7% QoQ	-0.3	0.7% +23.3% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	24%
Loan To Share	71.5% -0.7% QoQ	-13.2%	84.7% -0.7% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 10.8% in tier
AMR	$39,352 -4.0% QoQ	+$7K	$32,237 -7.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	84%
CD Concentration	27.6% -0.0% QoQ	-1.0%	28.6%	21.6%	19.8%	42%
Indirect Auto %	3.0% -5.7% QoQ	-13.4%	16.4%	9.0%	7.7%	23%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Efficiency Drag

risk

#2 of 5 • Bottom 3.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.93%

(Tier: 66.35%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -

(Tier: 0.13% points, National: -0.45% points)

Member Growth (YoY): -

(Tier: 4.32%, National: 10.19%)

5 of 66 Large CUs have this signature | 702 nationally

→ Stable (8→5 CUs) -3 CUs YoY | New qualifier

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)

Compare against:

Comparing against 37 peers in tier

Top Strengths (4 metrics)

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: 0.58%

#2 of 37 Top 2.7% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $39,352

Peer Median: $29,948

#6 of 37 Top 13.5% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.39%

Peer Median: 0.65%

#10 of 37 Top 24.3% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 2.96%

Peer Median: 16.71%

#10 of 37 Top 24.3% in 5B-7B tier

Top Weaknesses (13 metrics)

Member Growth Rate

growth

Value: -

Peer Median: 2.61%