BlastPoint's Credit Union Scorecard

PRIORITY ONE

Charter #60024 · CA

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

PRIORITY ONE demonstrates 5 strengths

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
  • + Emerging Performer: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.67% above tier average
  • + Net Interest Margin 0.68% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 17,123
+1.1% YoY+0.8% QoQ
 +2.0K 15,145
-2.5% YoY
 57,202
-0.9% YoY
 33,913
+5.7% YoY
 67%
Assets $205.7M
+1.7% YoY-0.8% QoQ
 $-26.0M $231.7M
+0.8% YoY
 $1.2B
+0.4% YoY
 $578.3M
+9.0% YoY
 52%
Loans $95.3M
+4.0% YoY-0.9% QoQ
 $-48.9M $144.1M
+0.2% YoY
 $813.8M
+0.1% YoY
 $402.4M
+8.7% YoY
 34%
Deposits $179.1M
+0.0% YoY-1.1% QoQ
 $-22.1M $201.1M
+0.4% YoY
 $1.0B
+1.2% YoY
 $494.3M
+9.1% YoY
 52%

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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 1.4%
+9.4% YoY+6.8% QoQ
 +0.7% 0.7%
+5.1% YoY
 2.1%
+290.7% YoY
 0.4%
-39.2% YoY
 Top 13.6% in tier
NIM 4.3%
+8.3% YoY+3.0% QoQ
 +0.7% 3.6%
+4.6% YoY
 5.0%
+56.5% YoY
 3.8%
+4.1% YoY
 Top 14.2% in tier
Efficiency Ratio 72.6%
-0.3% YoY+2.3% QoQ
 -5.4% 78.0%
-1.7% YoY
 81.3%
-2.7% YoY
 84.6%
+2.8% YoY
 30%
Delinquency Rate 0.3%
-10.4% YoY+36.3% QoQ
 -0.4 0.8%
+7.1% YoY
 0.6%
-45.1% YoY
 1.2%
+3.4% YoY
 25%
Loan To Share 53.2%
+4.0% YoY+0.1% QoQ
 -17.2% 70.4%
-0.4% YoY
 67.3%
-0.6% YoY
 65.6%
-1.4% YoY
 Bottom 15.0% in tier
AMR $16,022
+0.3% YoY-1.8% QoQ
 $-9K $24,918
+2.7% YoY
 $28,733
+1.2% YoY
 $19,920
+1.6% YoY
 Bottom 12.7% in tier
CD Concentration 15.2%
-1.0% YoY-4.1% QoQ
 -9.1% 24.3% 21.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.0% 7.7% 50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#127 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.12%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 1.40%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 0.00%
(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

Emerging Performer

growth
#113 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.40%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 1.12%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth
#298 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): 1.12%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.00%
(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 (0)

No concerns identified

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)

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
146
Return on Assets (ROA)
profitability
Value: 1.40%
Peer Median: 0.69%
#146 of 1070 Top 13.6% in 100M-500M tier
152
Net Interest Margin (NIM)
profitability
Value: 4.31%
Peer Median: 3.62%
#152 of 1070 Top 14.1% in 100M-500M tier
196
Members Per Employee (MPE)
engagement
Value: 407.690
Peer Median: 309.176
#196 of 1070 Top 18.2% in 100M-500M tier
248
Share Certificate Concentration (%)
balance_sheet
Value: 15.21%
Peer Median: 23.10%
#248 of 1070 Top 23.1% in 100M-500M tier
252
Net Worth Ratio
risk
Value: 13.75%
Peer Median: 11.45%
#252 of 1070 Top 23.5% in 100M-500M tier
264
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Median: 0.61%
#264 of 1070 Top 24.6% in 100M-500M tier

Top Weaknesses (5 metrics)

960
Loan-to-Member Ratio (LMR)
engagement
Value: $5,565
Peer Median: $9,356
#960 of 1070 Bottom 10.4% in 100M-500M tier
934
Average Member Relationship (AMR)
engagement
Value: $16,022
Peer Median: $22,931
#934 of 1070 Bottom 12.8% in 100M-500M tier
910
Loan-to-Share Ratio
balance_sheet
Value: 53.22%
Peer Median: 71.88%
#910 of 1070 Bottom 15.0% in 100M-500M tier
858
Deposit Growth Rate
growth
Value: 0.02%
Peer Median: 3.30%
#858 of 1070 Bottom 19.9% in 100M-500M tier
834
AMR Growth Rate
growth
Value: 0.26%
Peer Median: 3.46%
#834 of 1070 Bottom 22.1% in 100M-500M tier
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