BlastPoint's Credit Union Scorecard
SCHOOLS
Charter #3526 · CA
SCHOOLS has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 5.9% in tier
- + Organic Growth Engine: Top 14.9% in tier
- + Emerging Performer: Top 65.3% in tier
- + Credit Quality Leader: Top 82.6% in tier
- + Strong member growth: 5.1% YoY
- + Members Per Employee (MPE): Top 7.2% in tier
- + Member Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 18.4% in tier
- - Credit Quality Pressure: Bottom 27.4% in tier
- - Efficiency Drag: Bottom 27.7% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 4.42% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,797
+5.1% YoY+2.3% QoQ
|
+1.2K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$189.8M
+6.9% YoY+0.8% QoQ
|
$-41.5M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$88.1M
-1.6% YoY+0.8% QoQ
|
$-59.7M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$164.5M
+6.6% YoY+0.1% QoQ
|
$-35.8M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
0.6%
+122.1% YoY+10.2% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.2%
+6.0% YoY+1.5% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
81.7%
-5.9% YoY-3.6% QoQ
|
+4.4% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.3%
+6.6% YoY-3.5% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
53.6%
-7.7% YoY+0.7% QoQ
|
-19.1% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.4% in tier |
| AMR |
$15,039
-1.5% YoY-1.9% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.7% in tier |
| CD Concentration |
17.3%
+24.6% YoY+6.1% QoQ
|
-7.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.7%
-30.4% YoY+2.5% QoQ
|
-5.2% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)