BlastPoint's Credit Union Scorecard
GAIN
Charter #3943 · CA
GAIN has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 88.4% in tier
- + Total Deposits: Top 2.6% in tier
- + Total Assets: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.5% in tier
- - ROA 0.84% below tier average
- - Efficiency ratio 20.63% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.4% in tier
- - Net Worth Ratio: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,404
-0.3% YoY-0.4% QoQ
|
+5.0K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$442.0M
+2.2% YoY+3.1% QoQ
|
+$210.1M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 5.5% in tier |
| Loans |
$246.6M
+0.6% YoY+4.5% QoQ
|
+$99.3M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 14.8% in tier |
| Deposits |
$412.7M
+2.5% YoY+3.4% QoQ
|
+$211.9M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 2.7% in tier |
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| ROA |
-0.1%
-180.4% YoY-214.2% QoQ
|
-0.8% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.6% in tier |
| NIM |
2.4%
-0.3% YoY+0.5% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
97.6%
+2.7% YoY+2.7% QoQ
|
+20.6% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 3.3% in tier |
| Delinquency Rate |
0.3%
-33.9% YoY-5.7% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
59.8%
-1.8% YoY+1.1% QoQ
|
-12.5% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$32,316
+2.1% YoY+4.2% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 13.3% in tier |
| CD Concentration |
23.1%
-0.4% YoY-2.3% QoQ
|
-1.3% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
1.5%
+4478.1% YoY+58.7% QoQ
|
-12.3% | 13.8% | 9.2% | 7.8% | 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 (1)
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)