BlastPoint's Credit Union Scorecard
PASADENA
Charter #594 · CA
PASADENA has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 99.1% in tier
- + ROA 0.20% above tier average
- + Members Per Employee (MPE): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 16.1% in tier
- - Credit Quality Pressure: Bottom 17.0% in tier
- - Stagnation Risk: Bottom 17.1% in tier
- - Membership Headwinds: Bottom 23.8% in tier
- - Flatlined Growth: Bottom 31.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,140
-1.5% YoY+0.5% QoQ
|
+9.5K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 13.1% in tier |
| Assets |
$370.1M
+1.5% YoY-0.5% QoQ
|
+$138.8M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 14.8% in tier |
| Loans |
$196.4M
-5.8% YoY-2.1% QoQ
|
+$48.6M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$326.5M
+0.7% YoY-1.0% QoQ
|
+$126.2M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 13.6% in tier |
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| ROA |
1.0%
+216.2% YoY+38.2% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
3.4%
+8.5% YoY+6.1% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
70.9%
-19.6% YoY-2.0% QoQ
|
-6.4% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.4%
+61.7% YoY-6.9% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
60.2%
-6.4% YoY-1.1% QoQ
|
-12.5% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$20,799
-0.4% YoY-1.9% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
41% |
| CD Concentration |
19.5%
-9.0% YoY+5.0% QoQ
|
-5.0% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.5%
-38.5% YoY-16.4% QoQ
|
-13.5% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)