BlastPoint's Credit Union Scorecard

GAIN

Charter #3943 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

GAIN has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Deposits: Top 2.6% in tier
+ Total Assets: Top 5.5% 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 0.66% below tier average
- Efficiency ratio 15.79% above tier (higher cost structure)
- Net Worth Ratio: Bottom 6.2% in tier
- Net Interest Margin (NIM): Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	20,403 -0.2% YoY-0.0% QoQ	+5.3K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	78%
Assets	$439.3M -0.1% YoY-0.6% QoQ	+$207.6M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 5.6% in tier
Loans	$244.0M +1.8% YoY-1.1% QoQ	+$99.9M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Top 14.0% in tier
Deposits	$410.0M +0.2% YoY-0.7% QoQ	+$208.8M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 2.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -75.4% YoY-194.9% QoQ	-0.7%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 10.7% in tier
NIM	2.6% +13.8% YoY+9.1% QoQ	-1.0%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 6.2% in tier
Efficiency Ratio	93.8% +5.8% YoY-3.9% QoQ	+15.8%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 7.9% in tier
Delinquency Rate	0.3% +33.6% YoY+10.4% QoQ	-0.4	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	26%
Loan To Share	59.5% +1.7% YoY-0.4% QoQ	-10.9%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	26%
AMR	$32,053 +1.0% YoY-0.8% QoQ	+$7K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 14.0% in tier
CD Concentration	22.7% -1.3% YoY-1.5% QoQ	-1.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	1.6% +5.9% QoQ	-12.2%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#18 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.81%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.22% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.22%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#516 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#438 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.82%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $409.99M

Peer Median: $171.29M

#29 of 1070 Top 2.6% in 100M-500M tier

Total Assets

balance_sheet

Value: $439.33M

Peer Median: $196.57M

#60 of 1070 Top 5.5% in 100M-500M tier

150

Total Loans

balance_sheet

Value: $244.00M

Peer Median: $121.41M

#150 of 1070 Top 13.9% in 100M-500M tier

150

Average Member Relationship (AMR)

engagement

Value: $32,053

Peer Median: $22,931

#150 of 1070 Top 13.9% in 100M-500M tier

238

Total Members

engagement

Value: 20,403

Peer Median: 13,200

#238 of 1070 Top 22.1% in 100M-500M tier

264

Loan-to-Member Ratio (LMR)

engagement

Value: $11,959

Peer Median: $9,356

#264 of 1070 Top 24.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1005

Net Worth Ratio

risk

Value: 8.38%

Peer Median: 11.45%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

1004

Net Interest Margin (NIM)

profitability

Value: 2.65%

Peer Median: 3.62%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

986

Efficiency Ratio

profitability

Value: 93.81%

Peer Median: 78.68%

#986 of 1070 Bottom 7.9% in 100M-500M tier

955

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Median: 0.69%

#955 of 1070 Bottom 10.8% in 100M-500M tier

923

First Mortgage Concentration (%)

balance_sheet

Value: 50.31%

Peer Median: 29.47%

#923 of 1070 Bottom 13.8% in 100M-500M tier

890

Asset Growth Rate

growth

Value: -0.12%

Peer Median: 3.91%

#890 of 1070 Bottom 16.9% in 100M-500M tier

846

Deposit Growth Rate

growth

Value: 0.16%

Peer Median: 3.30%

#846 of 1070 Bottom 21.0% in 100M-500M tier