BlastPoint's Credit Union Scorecard

TULARE COUNTY

Charter #3218 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

TULARE COUNTY has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Asset Growth Rate: Top 5.3% in tier
+ Deposit Growth Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.44% below tier average
- Efficiency ratio 10.41% above tier (higher cost structure)
- Net Worth Ratio: Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	11,209 +4.5% YoY+0.8% QoQ	-3.9K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	39%
Assets	$156.6M +12.2% YoY+4.2% QoQ	$-75.1M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	34%
Loans	$114.7M +10.0% YoY+7.3% QoQ	$-29.4M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	45%
Deposits	$142.0M +10.7% YoY+2.6% QoQ	$-59.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -13.6% YoY-24.2% QoQ	-0.4%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	22%
NIM	3.5% -4.3% YoY-0.9% QoQ	-0.1%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	88.4% -1.0% YoY+2.1% QoQ	+10.4%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.7% +135.6% YoY+7.5% QoQ	-0.1	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	57%
Loan To Share	80.8% -0.6% YoY+4.5% QoQ	+10.4%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	70%
AMR	$22,908 +5.6% YoY+3.8% QoQ	$-2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	50%
CD Concentration	21.3% +41.7% YoY-1.6% QoQ	-3.0%	24.3%	21.6%	19.8%	50%
Indirect Auto %	21.4% +5.5% YoY+4.6% QoQ	+7.6%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#414 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.65%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#55 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.02%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#164 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#202 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.43%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.05% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 4.49%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#239 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 12.23%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 21.39%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.49%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

Asset Growth Rate

growth

Value: 12.23%

Peer Median: 3.91%

#58 of 1070 Top 5.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.70%

Peer Median: 3.30%

#80 of 1070 Top 7.4% in 100M-500M tier

130

Member Growth Rate

growth

Value: 4.49%

Peer Median: -0.06%

#130 of 1070 Top 12.1% in 100M-500M tier

179

Loan Growth Rate

growth

Value: 10.02%

Peer Median: 2.93%

#179 of 1070 Top 16.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1063

Net Worth Ratio

risk

Value: 7.25%

Peer Median: 11.45%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

864

Efficiency Ratio

profitability

Value: 88.43%

Peer Median: 78.68%

#864 of 1070 Bottom 19.3% in 100M-500M tier

833

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: 0.69%

#833 of 1070 Bottom 22.2% in 100M-500M tier