BlastPoint's Credit Union Scorecard
STRATA
Charter #6032 · CA
STRATA has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.91% above tier average
- + Share Certificate Concentration (%): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 5.51% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits +2.1% year over year ($291M in shares and deposits).
- Membership: 24,415 members, +0.2% vs a year ago.
- Delinquency rate 0.23%.
- Return on assets 0.31%.
- Efficiency ratio 82.25% vs a 76.73% peer average.
- Loan-to-share ratio 85.33% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,415
+0.2% YoY-0.2% QoQ
|
+9.2K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 12.8% in tier |
| Assets |
$344.5M
+1.9% YoY-0.4% QoQ
|
+$112.5M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$248.7M
-0.5% YoY-0.8% QoQ
|
+$102.4M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 13.6% in tier |
| Deposits |
$291.4M
+2.1% YoY-0.8% QoQ
|
+$90.7M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.3%
-22.0% YoY-330.3% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.9% in tier |
| NIM |
4.6%
+2.9% YoY+7.4% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 8.7% in tier |
| Efficiency Ratio |
82.2%
+4.3% YoY-5.8% QoQ
|
+5.5% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.2%
-33.1% YoY-26.0% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 13.1% in tier |
| Loan To Share |
85.3%
-2.5% YoY+0.1% QoQ
|
+13.8% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$22,121
+0.7% YoY-0.6% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
9.8%
+20.6% YoY+8.1% QoQ
|
-14.7% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
26.0%
-19.9% YoY-3.1% QoQ
|
+12.4% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
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)