BlastPoint's Credit Union Scorecard
HAVEN
Charter #24982 · CA
HAVEN has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 398.51% above tier average
- + Efficiency Ratio: Top 0.1% in tier
- + Fee Income Per Member: Top 0.1% in tier
- + Net Worth Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - 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 Delinquency Rate (60+ days): Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Loan-to-Share Ratio: 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 |
1
0% QoQ
|
-2.6K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$2.5M
+250124900.0% QoQ
|
$-27.8M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.9% in tier |
| Loans | $0.0 | $-15.5M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.1% in tier |
| Deposits | $0.0 | $-25.8M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.1% in tier |
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| ROA |
400.0%
-0.0% QoQ
|
+398.5% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 0.1% in tier |
| NIM |
0.7%
-99.8% QoQ
|
-3.2% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.5% in tier |
| Efficiency Ratio | 0.1% | -88.6% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 0.1% in tier |
| Delinquency Rate | - | - |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
- |
| Loan To Share | - | - |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
- |
| AMR | $0.0 | $-15K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration | - | - | 24.6% | 22.2% | 20.0% | - |
| Indirect Auto % | - | - | 13.6% | 9.2% | 7.7% | - |
Signature Analysis
Strengths (0)
Concerns (0)
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)