BlastPoint's Credit Union Scorecard
ORANGE COUNTY'S
Charter #24981 · CA
ORANGE COUNTY'S has 2 strengths 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
- + ROA 0.38% above tier average
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.3% in tier
- - Indirect Auto Dependency: Bottom 76.0% in tier
- - 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
- - Total Deposits: Bottom 5.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
145,416
-0.0% QoQ
|
-71.1K |
216,545
-9.5% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 10.4% in tier |
| Assets |
$3.1B
+0.2% QoQ
|
$-822.3M |
$3.9B
-1.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.2% in tier |
| Loans |
$2.4B
+1.0% QoQ
|
$-514.1M |
$2.9B
-1.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$2.6B
-1.2% QoQ
|
$-703.5M |
$3.3B
-2.6% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.9% in tier |
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| ROA |
1.3%
+22.2% QoQ
|
+0.4% |
0.9%
+25.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
3.3%
-1.2% QoQ
|
+0.1% |
3.2%
+3.8% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
59.3%
-3.9% QoQ
|
-10.2% |
69.5%
-2.3% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 13.0% in tier |
| Delinquency Rate |
0.6%
+22.2% QoQ
|
-0.2 |
0.8%
+5.5% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
94.6%
+2.2% QoQ
|
+4.4% |
90.2%
+0.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$34,183
-0.1% QoQ
|
+$3K |
$31,018
+6.9% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
38.7%
-1.5% QoQ
|
+9.6% | 29.1% | 22.2% | 20.0% | Top 13.1% in tier |
| Indirect Auto % |
18.2%
+7.8% QoQ
|
+0.1% | 18.1% | 9.2% | 7.7% | 57% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)