BlastPoint's Credit Union Scorecard
TUCOEMAS
Charter #5718 · CA
TUCOEMAS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.08% above tier average
- + Net Interest Margin 1.12% above tier average
- + Strong member growth: 9.8% YoY
- + Member Growth Rate: Top 3.3% in tier
- + Fee Income Per Member: Top 5.1% in tier
- + Total Members: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 0.37% above tier average
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - AMR Growth Rate: Bottom 2.2% in tier
- - Indirect Auto Concentration (%): Bottom 4.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits +3.1% year over year ($299M in shares and deposits).
- Membership: 26,982 members, +9.8% vs a year ago.
- Delinquency rate 1.25%.
- Return on assets 1.94%.
- Efficiency ratio 61.75% vs a 76.73% peer average.
- Loan-to-share ratio 49.69% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,982
+9.8% YoY+0.2% QoQ
|
+11.8K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 9.7% in tier |
| Assets |
$332.0M
+2.9% YoY-1.4% QoQ
|
+$100.0M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$148.3M
-2.6% YoY-1.5% QoQ
|
+$2.1M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$298.5M
+3.1% YoY-2.2% QoQ
|
+$97.8M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
1.9%
+177.4% YoY+187.8% QoQ
|
+1.1% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 4.0% in tier |
| NIM |
4.8%
+9.3% YoY+4.0% QoQ
|
+1.1% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
61.8%
-14.0% YoY-16.0% QoQ
|
-15.0% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 10.4% in tier |
| Delinquency Rate |
1.2%
+17.0% YoY+94.6% QoQ
|
+0.4 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
49.7%
-5.5% YoY+0.7% QoQ
|
-21.9% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.9% in tier |
| AMR |
$16,560
-7.9% YoY-2.2% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.7% in tier |
| CD Concentration |
10.9%
-5.6% YoY-11.3% QoQ
|
-13.7% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
46.4%
-0.3% YoY-2.7% QoQ
|
+32.8% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)