BlastPoint's Credit Union Scorecard

CREDIT UNION OF SOUTHERN CA, A

Charter #24983 · CA

Mid-Market 3B-5B
77 CUs in 3B-5B nationally 11 in CA
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CREDIT UNION OF SOUTHERN CA, A has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.24% above tier average
  • + Fee Income Per Member: Top 7.8% in tier
  • + Indirect Auto Concentration (%): Top 7.8% 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 Loans: Bottom 9.1% in tier
  • - Loan-to-Share Ratio: Bottom 9.1% in tier

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 186,179
+0.2% QoQ
 -30.4K 216,545
-9.5% YoY
 67,400
+7.3% YoY
 34,678
+6.6% YoY
 39%
Assets $4.0B
+1.6% QoQ
 +$104.0M $3.9B
-1.6% YoY
 $1.4B
+10.3% YoY
 $593.1M
+10.2% YoY
 52%
Loans $2.1B
+1.1% QoQ
 $-794.7M $2.9B
-1.2% YoY
 $958.9M
+10.2% YoY
 $418.6M
+10.1% YoY
 Bottom 7.8% in tier
Deposits $3.1B
-1.6% QoQ
 $-194.7M $3.3B
-2.6% YoY
 $1.2B
+11.1% YoY
 $504.8M
+10.3% YoY
 39%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.2%
+0.8% QoQ
 +0.2% 0.9%
+25.3% YoY
 2.5%
+328.4% YoY
 1.2%
+121.4% YoY
 74%
NIM 3.0%
-0.6% QoQ
 -0.2% 3.2%
+3.8% YoY
 3.4%
+4.4% YoY
 3.8%
+2.3% YoY
 30%
Efficiency Ratio 64.2%
+1.2% QoQ
 -5.3% 69.5%
-2.3% YoY
 79.7%
-4.5% YoY
 83.0%
-5.3% YoY
 31%
Delinquency Rate 0.6%
+25.1% QoQ
 -0.2 0.8%
+5.5% YoY
 0.7%
-14.3% YoY
 1.3%
+2.6% YoY
 40%
Loan To Share 69.8%
+2.7% QoQ
 -20.5% 90.2%
+0.9% YoY
 69.0%
+0.5% YoY
 66.4%
-1.4% YoY
 Bottom 7.8% in tier
AMR $27,925
-0.6% QoQ
 $-3K $31,018
+6.9% YoY
 $29,171
+2.5% YoY
 $20,028
-0.9% YoY
 39%
CD Concentration 26.7%
-2.1% QoQ
 -2.4% 29.1% 22.2% 20.0% 42%
Indirect Auto % 0.2%
-14.7% QoQ
 -17.9% 18.1% 9.2% 7.7% Top 13.3% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 77 peers in tier

Top Strengths (3 metrics)

7
Fee Income Per Member
profitability
Value: $286.51
Peer Median: $211.54
#7 of 77 Top 7.8% in 3B-5B tier
7
Indirect Auto Concentration (%)
balance_sheet
Value: 0.17%
Peer Median: 18.00%
#7 of 77 Top 7.8% in 3B-5B tier
20
Return on Assets (ROA)
profitability
Value: 1.17%
Peer Median: 0.94%
#20 of 77 Top 24.7% in 3B-5B tier

Top Weaknesses (8 metrics)

77
Member Growth Rate
growth
Value: -
Peer Median: 3.08%
#77 of 77 Bottom 0.1% in 3B-5B tier
77
Asset Growth Rate
growth
Value: -
Peer Median: 5.91%
#77 of 77 Bottom 0.1% in 3B-5B tier
77
Loan Growth Rate
growth
Value: -
Peer Median: 6.20%
#77 of 77 Bottom 0.1% in 3B-5B tier
77
Deposit Growth Rate
growth
Value: -
Peer Median: 5.62%
#77 of 77 Bottom 0.1% in 3B-5B tier
77
AMR Growth Rate
growth
Value: -
Peer Median: 3.17%
#77 of 77 Bottom 0.1% in 3B-5B tier
71
Total Loans
balance_sheet
Value: $2.14B
Peer Median: $2.91B
#71 of 77 Bottom 9.1% in 3B-5B tier
71
Loan-to-Share Ratio
balance_sheet
Value: 69.76%
Peer Median: 93.34%
#71 of 77 Bottom 9.1% in 3B-5B tier
60
Loan-to-Member Ratio (LMR)
engagement
Value: $11,475
Peer Median: $13,282
#60 of 77 Bottom 23.4% in 3B-5B tier
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