BlastPoint's Credit Union Scorecard
GAIN
Charter #3943 · CA
GAIN has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 80.5% in tier
- + Total Deposits: Top 3.6% in tier
- + Total Assets: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.2% in tier
- - Shrinking Wallet Share: Bottom 11.7% in tier
- - Wealth Migration Risk: Bottom 17.3% in tier
- - Deposit Outflow: Bottom 48.8% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 17.81% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,491
-0.4% YoY+0.1% QoQ
|
+4.9K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$428.9M
-2.0% YoY-2.2% QoQ
|
+$197.6M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 6.9% in tier |
| Loans |
$236.1M
-5.8% YoY+0.2% QoQ
|
+$88.3M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$399.3M
-1.7% YoY-1.5% QoQ
|
+$199.0M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 3.7% in tier |
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| ROA |
0.1%
-34.7% YoY-25.1% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.6% in tier |
| NIM |
2.4%
-1.8% YoY+3.0% QoQ
|
-1.2% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio |
95.1%
+0.3% YoY-0.3% QoQ
|
+17.8% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.3%
-7.2% YoY-8.7% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
59.1%
-4.2% YoY+1.7% QoQ
|
-13.6% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$31,011
-2.9% YoY-1.0% QoQ
|
+$7K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.1% in tier |
| CD Concentration |
23.6%
+3.6% YoY+1.0% QoQ
|
-0.8% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.9%
+1575.7% YoY+191.0% QoQ
|
-13.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)