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 0.34% above tier average
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 29.8% in tier
- - Indirect Auto Dependency: Bottom 84.3% in tier
- - 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
- - Total Assets: Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
145,451
+0.9% QoQ
|
-75.0K |
220,435
-7.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 10.3% in tier |
| Assets |
$3.1B
+3.5% QoQ
|
$-840.9M |
$3.9B
-1.5% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.1% in tier |
| Loans |
$2.4B
+2.8% QoQ
|
$-499.7M |
$2.9B
-1.1% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$2.6B
+4.1% QoQ
|
$-713.8M |
$3.3B
-2.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.1% in tier |
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| ROA |
1.1%
+15.9% QoQ
|
+0.3% |
0.7%
+10.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.4%
+11.6% QoQ
|
+0.1% |
3.2%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
61.6%
-7.1% QoQ
|
-9.6% |
71.3%
-2.6% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
0.5%
-16.8% QoQ
|
-0.2 |
0.7%
+9.2% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
92.6%
-1.3% QoQ
|
+4.6% |
88.0%
+0.9% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$34,221
+2.5% QoQ
|
+$4K |
$30,672
+5.5% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
39.3%
+2.3% QoQ
|
+10.5% | 28.8% | 21.6% | 19.8% | Top 11.2% in tier |
| Indirect Auto % |
16.9%
+5.7% QoQ
|
-1.2% | 18.1% | 9.0% | 7.7% | 52% |
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)