BlastPoint's Credit Union Scorecard
GAIN
Charter #3943 · CA
GAIN has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Total Deposits: Top 1.1% in tier
- + Total Assets: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.78% below tier average
- - Efficiency ratio 17.01% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 6.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits +4.6% year over year ($424M in shares and deposits).
- Membership: 20,487 members, +0.1% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 0.09%.
- Efficiency ratio 93.74% vs a 76.73% peer average.
- Loan-to-share ratio 57.00% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,487
+0.1% YoY+0.4% QoQ
|
+5.3K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$454.0M
+3.6% YoY+3.3% QoQ
|
+$222.0M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 4.6% in tier |
| Loans |
$241.8M
+2.6% YoY-0.9% QoQ
|
+$95.5M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 14.6% in tier |
| Deposits |
$424.1M
+4.6% YoY+3.4% QoQ
|
+$223.4M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 1.2% in tier |
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| ROA |
0.1%
+0.1% YoY+23.3% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.9% in tier |
| NIM |
2.7%
+13.8% YoY+0.8% QoQ
|
-1.0% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
93.7%
-1.7% YoY-0.1% QoQ
|
+17.0% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.4%
+19.8% YoY+26.1% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
57.0%
-2.0% YoY-4.2% QoQ
|
-14.5% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$32,503
+3.8% YoY+1.4% QoQ
|
+$7K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 13.8% in tier |
| CD Concentration |
23.5%
+0.4% YoY+3.4% QoQ
|
-1.0% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
1.7%
+428.6% YoY+8.0% QoQ
|
-11.9% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)