BlastPoint's Credit Union Scorecard
INLAND VALLEY
Charter #5684 · CA
INLAND VALLEY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 12.73% above tier (higher cost structure)
- - Member decline: -5.9% YoY
- - Net Worth Ratio: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,236
-5.9% YoY-1.7% QoQ
|
+610 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$52.3M
-2.5% YoY-2.3% QoQ
|
+$22.4M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$17.8M
+8.3% YoY+15.3% QoQ
|
+$2.1M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$47.5M
-2.9% YoY-2.6% QoQ
|
+$22.0M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
0.1%
-60.4% YoY+17.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
3.2%
+1.5% YoY+2.0% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
94.1%
+6.2% YoY+0.3% QoQ
|
+12.7% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.4%
+24.9% YoY+47.9% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
37.5%
+11.5% YoY+18.4% QoQ
|
-23.7% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$20,179
+6.2% YoY+3.4% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
19.4%
+34.6% YoY+0.2% QoQ
|
-5.0% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)