BlastPoint's Credit Union Scorecard

PRIORITY ONE

Charter #60024 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

PRIORITY ONE demonstrates 4 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
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.55% above tier average
+ Net Interest Margin 0.58% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	16,984 +0.6% YoY+0.7% QoQ	+1.5K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	65%
Assets	$207.4M +6.4% YoY+1.1% QoQ	$-24.4M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	53%
Loans	$96.2M +1.1% YoY-0.8% QoQ	$-51.2M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	33%
Deposits	$181.0M +4.5% YoY+0.8% QoQ	$-19.8M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% -1.6% YoY+0.9% QoQ	+0.5%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	84%
NIM	4.2% +0.1% YoY+0.2% QoQ	+0.6%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	71.0% +0.6% YoY-0.5% QoQ	-6.1%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.2% -29.9% YoY-37.1% QoQ	-0.7	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 11.8% in tier
Loan To Share	53.1% -3.2% YoY-1.6% QoQ	-19.1%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 13.2% in tier
AMR	$16,320 +2.7% YoY-0.5% QoQ	$-8K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Bottom 14.0% in tier
CD Concentration	15.9% +3.2% YoY-0.1% QoQ	-8.6%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#279 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.60%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.31%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#411 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.60%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

127

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

166

Return on Assets (ROA)

profitability

Value: 1.31%

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

175

Members Per Employee (MPE)

engagement

Value: 414.244

Peer Median: -

#175 of 1069 Top 16.3% in 100M-500M tier

200

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Median: -

#200 of 1069 Top 18.6% in 100M-500M tier

266

Fee Income Per Member

profitability

Value: $217.00

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

266

Share Certificate Concentration (%)

balance_sheet

Value: 15.85%

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (4 metrics)

958

Loan-to-Member Ratio (LMR)

engagement

Value: $5,663

Peer Median: -

#958 of 1069 Bottom 10.5% in 100M-500M tier

928

Loan-to-Share Ratio

balance_sheet

Value: 53.15%

Peer Median: -

#928 of 1069 Bottom 13.3% in 100M-500M tier

919

Average Member Relationship (AMR)

engagement

Value: $16,320

Peer Median: -

#919 of 1069 Bottom 14.1% in 100M-500M tier

847

Net Charge-Off Rate

risk

Value: 0.68%

Peer Median: -

#847 of 1069 Bottom 20.9% in 100M-500M tier