BlastPoint's Credit Union Scorecard

CAMINO

Charter #4633 · CA

100M-500M

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

CAMINO has 3 strengths but faces 6 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.61% below tier average
- Efficiency ratio 10.74% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	12,637 +0.6% YoY+0.2% QoQ	-2.5K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	47%
Assets	$179.2M +1.9% YoY+0.5% QoQ	$-52.5M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	43%
Loans	$134.3M +2.7% YoY+2.1% QoQ	$-9.8M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	56%
Deposits	$151.0M +1.2% YoY+0.4% QoQ	$-50.2M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	41%

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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% -78.6% YoY-79.0% QoQ	-0.6%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 11.9% in tier
NIM	3.9% -0.6% YoY+0.4% QoQ	+0.2%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	88.8% +4.5% YoY+7.1% QoQ	+10.7%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.8% +80.5% YoY-54.2% QoQ	+0.0	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	64%
Loan To Share	89.0% +1.4% YoY+1.7% QoQ	+18.5%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 12.6% in tier
AMR	$22,576 +1.3% YoY+0.9% QoQ	$-2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	48%
CD Concentration	22.0% +22.9% YoY+9.8% QoQ	-2.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.1% -28.5% YoY-10.8% QoQ	-13.7%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#358 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.58%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.14%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#350 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.58%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.11%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.14%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#194 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): 0.35% 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 | New qualifier

Efficiency Drag

risk

#184 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: 88.76%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.42% points

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

worse than tier avg

Member Growth (YoY): 0.58%

(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 Risk Growth

risk

#247 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): 2.67%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.35% 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 (1 metrics)

135

Loan-to-Share Ratio

balance_sheet

Value: 88.97%

Peer Median: 71.88%

#135 of 1070 Top 12.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1015

First Mortgage Concentration (%)

balance_sheet

Value: 62.22%

Peer Median: 29.47%

#1015 of 1070 Bottom 5.2% in 100M-500M tier

943

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.69%

#943 of 1070 Bottom 12.0% in 100M-500M tier

875

Efficiency Ratio

profitability

Value: 88.76%

Peer Median: 78.68%

#875 of 1070 Bottom 18.3% in 100M-500M tier