BlastPoint's Credit Union Scorecard
BLUPEAK
Charter #60801 · CA
BLUPEAK has 1 strength but faces 15 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
- + Total Delinquency Rate (60+ days): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 22.6% in tier
- - Membership Headwinds: Bottom 27.4% in tier
- - Accelerating Exit Risk: Bottom 33.3% in tier
- - Shrinking Wallet Share: Bottom 34.6% in tier
- - Institutional Decline: Bottom 37.9% in tier
- - Efficiency Drag: Bottom 56.2% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 19.79% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Deposit Growth Rate: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 2.6% in tier
- - Asset Growth Rate: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 7.3% in tier
- - Member Growth Rate: Bottom 8.3% in tier
- - Total Members: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,146
-4.6% YoY-0.9% QoQ
|
-44.3K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 8.9% in tier |
| Assets |
$1.1B
-6.1% YoY-0.8% QoQ
|
$-590.1M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.6% in tier |
| Loans |
$745.4M
-9.7% YoY-2.1% QoQ
|
$-489.0M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.9% in tier |
| Deposits |
$1.0B
-7.3% YoY-0.7% QoQ
|
$-421.8M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.2%
-139.9% YoY+0.5% QoQ
|
-0.5% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.6% in tier |
| NIM |
2.9%
+14.8% YoY+3.3% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
93.9%
-4.9% YoY-2.0% QoQ
|
+19.8% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
0.3%
-83.5% YoY+29.7% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.9% in tier |
| Loan To Share |
71.8%
-2.6% YoY-1.4% QoQ
|
-12.9% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$33,548
-3.9% YoY-0.5% QoQ
|
+$4K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
21.9%
-2.3% YoY-2.8% QoQ
|
-7.2% | 29.0% | 21.7% | 19.8% | 20% |
| Indirect Auto % |
1.7%
+126.0% YoY+3.8% QoQ
|
-16.6% | 18.3% | 9.2% | 7.8% | 19% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)