BlastPoint's Credit Union Scorecard

INLAND VALLEY

Charter #5684 · CA

<100M

2508 CUs in <100M nationally 92 in CA

INLAND VALLEY has 3 strengths but faces 3 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

+ Loan Growth Rate: Top 4.5% in tier
+ AMR Growth Rate: Top 5.9% in tier
+ Net Charge-Off Rate: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 1.71% above tier (higher cost structure)
- Member decline: -6.2% YoY
- Net Worth Ratio: Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,142 -6.2% YoY-1.5% QoQ	+465	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	70%
Assets	$54.3M +2.3% YoY+2.2% QoQ	+$24.2M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	80%
Loans	$18.6M +17.4% YoY-0.6% QoQ	+$3.3M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	68%
Deposits	$49.5M +2.3% YoY+2.5% QoQ	+$23.7M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% +266.1% YoY+19.0% QoQ	+0.0%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	29%
NIM	3.3% +7.8% YoY+3.4% QoQ	-0.7%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	29%
Efficiency Ratio	92.3% -0.6% YoY-0.4% QoQ	+1.7%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	73%
Delinquency Rate	0.3% -30.0% YoY+27.0% QoQ	-1.2	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	36%
Loan To Share	37.5% +14.7% YoY-3.1% QoQ	-21.0%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	19%
AMR	$21,668 +13.0% YoY+3.2% QoQ	+$7K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	83%
CD Concentration	18.0% -5.2% YoY-7.4% QoQ	-6.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

113

Loan Growth Rate

growth

Value: 17.36%

Peer Median: -2.36%

#113 of 2508 Top 4.5% in <100M tier

148

AMR Growth Rate

growth

Value: 12.98%

Peer Median: 1.27%

#148 of 2508 Top 5.9% in <100M tier

189

Net Charge-Off Rate

risk

Value: -0.16%

Peer Median: 0.07%

#189 of 2508 Top 7.5% in <100M tier

408

Fee Income Per Member

profitability

Value: $132.51

Peer Median: $60.42

#408 of 2508 Top 16.2% in <100M tier

417

Average Member Relationship (AMR)

engagement

Value: $21,668

Peer Median: $13,926

#417 of 2508 Top 16.6% in <100M tier

463

Total Deposits

balance_sheet

Value: $49.52M

Peer Median: $18.77M

#463 of 2508 Top 18.4% in <100M tier

513

Total Assets

balance_sheet

Value: $54.34M

Peer Median: $21.86M

#513 of 2508 Top 20.4% in <100M tier

Top Weaknesses (4 metrics)

2321

Net Worth Ratio

risk

Value: 8.53%

Peer Median: 14.28%

#2321 of 2508 Bottom 7.5% in <100M tier

2189

Member Growth Rate

growth

Value: -6.18%

Peer Median: -1.37%

#2189 of 2508 Bottom 12.8% in <100M tier

2090

First Mortgage Concentration (%)

balance_sheet

Value: 34.84%

Peer Median: 3.66%

#2090 of 2508 Bottom 16.7% in <100M tier

2029

Loan-to-Share Ratio

balance_sheet

Value: 37.47%

Peer Median: 58.72%

#2029 of 2508 Bottom 19.1% in <100M tier