BlastPoint's Credit Union Scorecard
STRATA
Charter #6032 · CA
STRATA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.65% above tier average
- + Share Certificate Concentration (%): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.86% below tier average
- - Efficiency ratio 9.28% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,469
+0.7% YoY+0.0% QoQ
|
+9.3K |
15,145
-2.5% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 12.7% in tier |
| Assets |
$346.0M
+0.8% YoY+2.9% QoQ
|
+$114.2M |
$231.7M
+0.8% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$250.6M
+0.4% YoY-1.7% QoQ
|
+$106.4M |
$144.1M
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 12.5% in tier |
| Deposits |
$293.9M
+0.7% YoY+3.6% QoQ
|
+$92.7M |
$201.1M
+0.4% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
-0.1%
-30.4% YoY-126.2% QoQ
|
-0.9% |
0.7%
+5.1% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.8% in tier |
| NIM |
4.3%
+0.2% YoY-6.6% QoQ
|
+0.6% |
3.6%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Top 15.0% in tier |
| Efficiency Ratio |
87.3%
+2.3% YoY+10.2% QoQ
|
+9.3% |
78.0%
-1.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.3%
-26.9% YoY-19.2% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
85.3%
-0.3% YoY-5.1% QoQ
|
+14.9% |
70.4%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$22,249
-0.1% YoY+1.1% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
9.1%
-3.9% YoY+5.8% QoQ
|
-15.2% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
26.8%
-22.1% YoY-3.9% QoQ
|
+13.0% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)