BlastPoint's Credit Union Scorecard

CREDIT UNION OF SOUTHERN CALIFORNIA

Charter #24983 · CA

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 11 in CA
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CREDIT UNION OF SOUTHERN CALIFORNIA 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 0.43% above tier average
  • + Indirect Auto Concentration (%): Top 7.7% in tier
  • + Fee Income Per Member: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - 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 Loans: Bottom 6.4% in tier
  • - Loan-to-Share Ratio: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 185,895
+0.9% QoQ
 -34.5K 220,435
-7.6% YoY
 57,202
-0.9% YoY
 33,913
+5.7% YoY
 37%
Assets $3.9B
+2.7% QoQ
 +$27.3M $3.9B
-1.5% YoY
 $1.2B
+0.4% YoY
 $578.3M
+9.0% YoY
 51%
Loans $2.1B
+0.5% QoQ
 $-780.8M $2.9B
-1.1% YoY
 $813.8M
+0.1% YoY
 $402.4M
+8.7% YoY
 Bottom 5.1% in tier
Deposits $3.1B
+4.5% QoQ
 $-187.1M $3.3B
-2.5% YoY
 $1.0B
+1.2% YoY
 $494.3M
+9.1% YoY
 37%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 1.2%
+27.8% QoQ
 +0.4% 0.7%
+10.6% YoY
 2.1%
+290.7% YoY
 0.4%
-39.2% YoY
 77%
NIM 3.0%
+3.9% QoQ
 -0.2% 3.2%
+4.6% YoY
 5.0%
+56.5% YoY
 3.8%
+4.1% YoY
 38%
Efficiency Ratio 63.4%
-9.0% QoQ
 -7.9% 71.3%
-2.6% YoY
 81.3%
-2.7% YoY
 84.6%
+2.8% YoY
 23%
Delinquency Rate 0.5%
-6.6% QoQ
 -0.3 0.7%
+9.2% YoY
 0.6%
-45.1% YoY
 1.2%
+3.4% YoY
 42%
Loan To Share 67.9%
-3.8% QoQ
 -20.1% 88.0%
+0.9% YoY
 67.3%
-0.6% YoY
 65.6%
-1.4% YoY
 Bottom 7.7% in tier
AMR $28,097
+2.0% QoQ
 $-3K $30,672
+5.5% YoY
 $28,733
+1.2% YoY
 $19,920
+1.6% YoY
 41%
CD Concentration 27.3%
+9.9% QoQ
 -1.5% 28.8% 21.6% 19.8% 44%
Indirect Auto % 0.2%
-16.4% QoQ
 -17.9% 18.1% 9.0% 7.7% Top 14.4% 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 78 peers in tier

Top Strengths (4 metrics)

7
Indirect Auto Concentration (%)
balance_sheet
Value: 0.20%
Peer Median: 18.10%
#7 of 78 Top 7.7% in 3B-5B tier
8
Fee Income Per Member
profitability
Value: $273.25
Peer Median: $175.66
#8 of 78 Top 9.0% in 3B-5B tier
18
Return on Assets (ROA)
profitability
Value: 1.16%
Peer Median: 0.75%
#18 of 78 Top 21.8% in 3B-5B tier
19
Efficiency Ratio
profitability
Value: 63.41%
Peer Median: 69.26%
#19 of 78 Top 23.1% in 3B-5B tier

Top Weaknesses (7 metrics)

78
Member Growth Rate
growth
Value: -
Peer Median: 3.36%
#78 of 78 Bottom 0.1% in 3B-5B tier
78
Asset Growth Rate
growth
Value: -
Peer Median: 5.44%
#78 of 78 Bottom 0.1% in 3B-5B tier
78
Loan Growth Rate
growth
Value: -
Peer Median: 5.73%
#78 of 78 Bottom 0.1% in 3B-5B tier
78
Deposit Growth Rate
growth
Value: -
Peer Median: 5.31%
#78 of 78 Bottom 0.1% in 3B-5B tier
78
AMR Growth Rate
growth
Value: -
Peer Median: 2.86%
#78 of 78 Bottom 0.1% in 3B-5B tier
74
Total Loans
balance_sheet
Value: $2.11B
Peer Median: $2.92B
#74 of 78 Bottom 6.4% in 3B-5B tier
72
Loan-to-Share Ratio
balance_sheet
Value: 67.90%
Peer Median: 90.65%
#72 of 78 Bottom 9.0% in 3B-5B tier
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