BlastPoint's Credit Union Scorecard

STRATA

Charter #6032 · CA

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

STRATA has 3 strengths but faces 7 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 94.6% in tier
  • + Net Interest Margin 0.97% above tier average
  • + Share Certificate Concentration (%): Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 28.9% in tier
  • - Deposit Outflow: Bottom 64.7% in tier
  • - Flatlined Growth: Bottom 75.0% in tier
  • - Shrinking Wallet Share: Bottom 82.6% in tier
  • - Indirect Auto Dependency: Bottom 88.1% in tier
  • - ROA 0.25% below tier average
  • - Efficiency ratio 2.18% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 24,460
+1.3% YoY+0.3% QoQ
 +9.0K 15,437
-2.9% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 Top 13.6% in tier
Assets $336.2M
-1.0% YoY-0.1% QoQ
 +$104.3M $231.9M
+1.3% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 79%
Loans $254.9M
+1.7% YoY+1.4% QoQ
 +$107.5M $147.3M
-0.1% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 Top 13.3% in tier
Deposits $283.5M
-1.2% YoY+0.1% QoQ
 +$82.7M $200.8M
+0.8% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 78%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.5%
-53.7% YoY-3.9% QoQ
 -0.3% 0.8%
+18.2% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 32%
NIM 4.6%
+4.9% YoY+1.0% QoQ
 +1.0% 3.6%
+6.7% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 Top 8.0% in tier
Efficiency Ratio 79.2%
+14.4% YoY+0.6% QoQ
 +2.2% 77.0%
-3.1% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 57%
Delinquency Rate 0.4%
-51.1% YoY+17.0% QoQ
 -0.5 0.9%
+4.2% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 22%
Loan To Share 89.9%
+3.0% YoY+1.3% QoQ
 +17.7% 72.2%
-1.1% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 Top 14.3% in tier
AMR $22,011
-1.2% YoY+0.4% QoQ
 $-3K $24,676
+3.4% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 46%
CD Concentration 8.6%
-21.3% YoY+3.4% QoQ
 -15.8% 24.4% 21.7% 19.8% 50%
Indirect Auto % 27.9%
-21.7% YoY-8.1% QoQ
 +14.1% 13.8% 9.2% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#563 of 595 • Top 94.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.34%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.51%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 27.93%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (5)

Cost Spiral

risk
#14 of 46 • Bottom 28.9% 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: 9.99% points
(Tier: -2.44% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 60.79%
(Tier: 60.04%, National: 63.66%)
worse than tier avg
46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Deposit Outflow

decline
#45 of 69 • Bottom 64.7% 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): -1.22%
(Tier: 5.05%, National: 13.79%)
worse than tier avg
Member Growth (YoY): 1.34%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally
→ No prior data (69 CUs now) | New qualifier

Flatlined Growth

risk
#31 of 41 • Bottom 75.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature
Asset Growth (YoY): -1.03%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Return on Assets: 0.51%
(Tier: 0.75%, National: 0.67%)
worse than tier avg
41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally
→ No prior data (41 CUs now) | New qualifier

Shrinking Wallet Share

decline
#172 of 208 • Bottom 82.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.19%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#446 of 506 • Bottom 88.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -1.03%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 27.93%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 1.34%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (9 metrics)

85
Net Interest Margin (NIM)
profitability
Value: 4.58%
Peer Median: -
#85 of 1069 Top 7.9% in 100M-500M tier
89
Share Certificate Concentration (%)
balance_sheet
Value: 8.58%
Peer Median: -
#89 of 1069 Top 8.2% in 100M-500M tier
142
Total Loans
balance_sheet
Value: $254.86M
Peer Median: -
#142 of 1069 Top 13.2% in 100M-500M tier
145
Total Members
engagement
Value: 24,460
Peer Median: -
#145 of 1069 Top 13.5% in 100M-500M tier
153
Loan-to-Share Ratio
balance_sheet
Value: 89.88%
Peer Median: -
#153 of 1069 Top 14.2% in 100M-500M tier
205
Net Worth Ratio
risk
Value: 14.32%
Peer Median: -
#205 of 1069 Top 19.1% in 100M-500M tier
224
Total Assets
balance_sheet
Value: $336.18M
Peer Median: -
#224 of 1069 Top 20.9% in 100M-500M tier
230
Total Deposits
balance_sheet
Value: $283.54M
Peer Median: -
#230 of 1069 Top 21.4% in 100M-500M tier
235
Total Delinquency Rate (60+ days)
risk
Value: 0.38%
Peer Median: -
#235 of 1069 Top 21.9% in 100M-500M tier

Top Weaknesses (5 metrics)

958
Asset Growth Rate
growth
Value: -1.03%
Peer Median: -
#958 of 1069 Bottom 10.5% in 100M-500M tier
952
Net Charge-Off Rate
risk
Value: 0.98%
Peer Median: -
#952 of 1069 Bottom 11.0% in 100M-500M tier
946
Deposit Growth Rate
growth
Value: -1.22%
Peer Median: -
#946 of 1069 Bottom 11.6% in 100M-500M tier
928
AMR Growth Rate
growth
Value: -1.19%
Peer Median: -
#928 of 1069 Bottom 13.3% in 100M-500M tier
872
Indirect Auto Concentration (%)
balance_sheet
Value: 27.93%
Peer Median: -
#872 of 1069 Bottom 18.5% in 100M-500M tier
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