BlastPoint's Credit Union Scorecard
CAMINO
Charter #4633 · CA
CAMINO has 1 strength but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.9% in tier
- - Shrinking Wallet Share: Bottom 14.6% in tier
- - Efficiency Drag: Bottom 15.1% in tier
- - Deposit Outflow: Bottom 92.5% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 6.06% above tier (higher cost structure)
- - Delinquency rate 1.11% above tier average
- - First Mortgage Concentration (%): Bottom 5.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,581
-0.2% YoY+0.1% QoQ
|
-3.0K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$177.4M
+0.5% YoY+1.8% QoQ
|
$-53.9M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$129.3M
-4.2% YoY-1.5% QoQ
|
$-18.5M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$150.0M
-0.7% YoY+1.9% QoQ
|
$-50.2M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
0.6%
+107.1% YoY-2.5% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
3.9%
+1.3% YoY-0.5% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
83.3%
-0.2% YoY-0.5% QoQ
|
+6.1% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
2.0%
+191.9% YoY+34.6% QoQ
|
+1.1 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 7.1% in tier |
| Loan To Share |
86.2%
-3.5% YoY-3.3% QoQ
|
+13.5% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$22,206
-2.2% YoY+0.3% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
19.2%
+12.6% YoY+3.9% QoQ
|
-5.2% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.2%
-9.7% YoY-5.9% QoQ
|
-13.8% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)