BlastPoint's Credit Union Scorecard
CALIFORNIA
Charter #60784 · CA
CALIFORNIA has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 26.5% in tier
- + Organic Growth Engine: Top 29.7% in tier
- + Relationship Depth Leader: Top 46.1% in tier
- + Credit Quality Leader: Top 66.7% in tier
- + Emerging Performer: Top 95.0% in tier
- + Net Charge-Off Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.3% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 12.69% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
201,474
+2.5% YoY+1.0% QoQ
|
-88.3K |
289,724
-2.8% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 11.8% in tier |
| Assets |
$5.2B
+2.2% YoY+1.2% QoQ
|
$-545.2M |
$5.8B
+0.2% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$3.5B
+11.3% YoY+1.8% QoQ
|
$-630.8M |
$4.1B
-3.1% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$4.7B
+3.8% YoY+2.0% QoQ
|
$-166.7M |
$4.9B
+2.2% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
0.5%
+61.2% YoY+7.1% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.4%
+8.8% YoY+1.5% QoQ
|
-0.5% |
2.9%
+3.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.8% in tier |
| Efficiency Ratio |
80.8%
-5.3% YoY-1.2% QoQ
|
+12.7% |
68.1%
-1.7% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
0.3%
-45.1% YoY-5.7% QoQ
|
-0.3 |
0.6%
-2.2% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.7% in tier |
| Loan To Share |
73.1%
+7.2% YoY-0.2% QoQ
|
-10.5% |
83.6%
-5.7% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$40,567
+4.2% YoY+1.0% QoQ
|
+$6K |
$34,398
+4.0% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
26.6%
+2.8% YoY+3.2% QoQ
|
-2.3% |
28.9%
-1.3% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
39% |
| Indirect Auto % |
3.3%
-16.4% YoY-2.8% QoQ
|
-13.3% |
16.6%
-10.3% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
22% |
Signature Analysis
Strengths (5)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)