BlastPoint's Credit Union Scorecard
TULARE COUNTY
Charter #3218 · CA
TULARE COUNTY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.4% YoY
- + Deposit Growth Rate: Top 2.5% in tier
- + Member Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 9.56% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,119
+5.4% YoY+1.5% QoQ
|
-4.3K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$150.2M
+10.4% YoY+2.1% QoQ
|
$-81.6M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$106.9M
+0.4% YoY+1.6% QoQ
|
$-40.4M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$138.4M
+17.9% YoY+1.8% QoQ
|
$-62.4M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.4%
-14.5% YoY+89.6% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.5%
-4.4% YoY-0.9% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
86.6%
+1.2% YoY-3.5% QoQ
|
+9.6% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.6%
+22.5% YoY+52.9% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
77.3%
-14.8% YoY-0.2% QoQ
|
+5.0% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$22,066
+4.0% YoY+0.2% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
21.6%
+54.5% YoY+0.9% QoQ
|
-2.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
20.5%
-2.5% YoY+4.0% QoQ
|
+6.7% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)