BlastPoint's Credit Union Scorecard
KINECTA
Charter #4142 · CA
KINECTA has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 18.8% in tier
- + Wallet Share Momentum: Top 18.8% in tier
- + Loan-to-Member Ratio (LMR): Top 5.1% in tier
- + Total Assets: Top 7.7% in tier
- + Average Member Relationship (AMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.3% in tier
- - Credit Quality Pressure: Bottom 39.1% in tier
- - Institutional Decline: Bottom 48.5% in tier
- - Membership Headwinds: Bottom 96.9% in tier
- - Stagnation Risk: Bottom 96.9% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 12.88% above tier (higher cost structure)
- - Member decline: -5.5% YoY
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 6 that size in California.
- Shares and deposits +5.0% year over year ($5.65B in shares and deposits).
- Membership: 225,848 members, -5.5% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 0.33%.
- Efficiency ratio 78.06% vs a 65.18% peer average.
- Loan-to-share ratio 94.57% vs a 85.64% 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 |
225,848
-5.5% YoY-1.6% QoQ
|
-85.1K |
310,918
+6.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$6.8B
+5.1% YoY+5.1% QoQ
|
+$980.6M |
$5.8B
-1.1% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 10.3% in tier |
| Loans |
$5.3B
-2.1% YoY+3.0% QoQ
|
+$1.1B |
$4.2B
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 12.8% in tier |
| Deposits |
$5.7B
+5.0% YoY-1.2% QoQ
|
+$757.5M |
$4.9B
-1.3% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
85% |
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| ROA |
0.3%
+9.3% YoY+0.3% QoQ
|
-0.6% |
0.9%
+35.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.6% in tier |
| NIM |
2.5%
-1.0% YoY-0.9% QoQ
|
-0.7% |
3.2%
+9.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
78.1%
-1.1% YoY-0.7% QoQ
|
+12.9% |
65.2%
-9.0% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate |
0.5%
+24.6% YoY+9.4% QoQ
|
-0.3 |
0.8%
+23.8% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
94.6%
-6.7% YoY+4.3% QoQ
|
+8.9% |
85.6%
-0.2% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
69% |
| AMR |
$48,695
+7.3% YoY+2.5% QoQ
|
+$17K |
$32,010
-7.3% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 10.3% in tier |
| CD Concentration |
49.9%
+4.8% YoY-0.6% QoQ
|
+21.5% | 28.3% | 22.2% | 20.0% | Top 3.0% in tier |
| Indirect Auto % |
4.1%
-35.3% YoY-15.4% QoQ
|
-12.7% | 16.8% | 9.2% | 7.7% | 24% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)