BlastPoint's Credit Union Scorecard

PASADENA

Charter #594 · CA

100M-500M

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

PASADENA has 5 strengths but faces 4 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 Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.28% above tier average
+ Net Interest Margin 0.14% above tier average
+ Members Per Employee (MPE): Top 5.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Efficiency ratio 1.68% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 6.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	25,343 +1.4% YoY+0.4% QoQ	+10.2K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Top 11.7% in tier
Assets	$381.3M +0.0% YoY+0.4% QoQ	+$149.6M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 13.6% in tier
Loans	$216.3M +9.5% YoY+6.2% QoQ	+$72.2M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	81%
Deposits	$329.2M -3.4% YoY-0.1% QoQ	+$128.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 13.6% in tier

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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	1.0% +174.2% YoY+13.9% QoQ	+0.3%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	70%
NIM	3.8% +17.9% YoY+8.8% QoQ	+0.1%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	61%
Efficiency Ratio	79.7% +7.7% YoY+9.9% QoQ	+1.7%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.5% -6.3% YoY-27.2% QoQ	-0.3	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	42%
Loan To Share	65.7% +13.4% YoY+6.3% QoQ	-4.7%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	37%
AMR	$21,527 -0.1% YoY+1.9% QoQ	$-3K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	41%
CD Concentration	20.4% +3.4% YoY+3.2% QoQ	-3.8%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.4% -45.7% YoY-15.7% QoQ	-13.4%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#220 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.42%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.01%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.36%

(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

Organic Growth Leader

growth

#274 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): 1.42%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.36%

(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

Concerns (2)

Deposit Outflow

decline

#22 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.43%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.42%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Cost Spiral

risk

#81 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.67% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 63.04%

(Tier: 60.69%, National: 64.04%)

worse than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | 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 (6 metrics)

Members Per Employee (MPE)

engagement

Value: 517.204

Peer Median: 309.176

#55 of 1070 Top 5.0% in 100M-500M tier

125

Total Members

engagement

Value: 25,343

Peer Median: 13,200

#125 of 1070 Top 11.6% in 100M-500M tier

146

Total Assets

balance_sheet

Value: $381.31M

Peer Median: $196.57M

#146 of 1070 Top 13.6% in 100M-500M tier

146

Total Deposits

balance_sheet

Value: $329.25M

Peer Median: $171.29M

#146 of 1070 Top 13.6% in 100M-500M tier

201

Loan Growth Rate

growth

Value: 9.52%

Peer Median: 2.93%

#201 of 1070 Top 18.7% in 100M-500M tier

205

Total Loans

balance_sheet

Value: $216.32M

Peer Median: $121.41M

#205 of 1070 Top 19.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1000

Deposit Growth Rate

growth

Value: -3.43%

Peer Median: 3.30%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

878

Asset Growth Rate

growth

Value: 0.01%

Peer Median: 3.91%

#878 of 1070 Bottom 18.0% in 100M-500M tier

851

AMR Growth Rate

growth

Value: -0.10%

Peer Median: 3.46%

#851 of 1070 Bottom 20.6% in 100M-500M tier

841

First Mortgage Concentration (%)

balance_sheet

Value: 43.96%

Peer Median: 29.47%

#841 of 1070 Bottom 21.5% in 100M-500M tier