BlastPoint's Credit Union Scorecard
TUCOEMAS
Charter #5718 · CA
TUCOEMAS has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 26.1% in tier
- + Net Interest Margin 0.73% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 22.8% in tier
- - ROA 0.35% below tier average
- - Delinquency rate 0.05% above tier average
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,038
+3.5% YoY+1.9% QoQ
|
+9.4K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 13.3% in tier |
| Assets |
$337.5M
-3.7% YoY+4.6% QoQ
|
+$106.2M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$155.3M
+2.1% YoY+1.9% QoQ
|
+$7.5M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$298.1M
+8.4% YoY+2.9% QoQ
|
+$97.8M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
0.4%
-15.0% YoY-37.0% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
4.3%
+14.0% YoY-1.9% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
74.1%
+5.3% YoY+3.2% QoQ
|
-3.2% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.9%
-1.9% YoY-14.6% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
52.1%
-5.8% YoY-1.0% QoQ
|
-20.6% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.3% in tier |
| AMR |
$18,106
+2.5% YoY+0.7% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
13.4%
+59.2% YoY+16.2% QoQ
|
-11.0% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
48.0%
-2.3% YoY+3.2% QoQ
|
+34.1% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)