BlastPoint's Credit Union Scorecard
BLUPEAK
Charter #60801 · CA
BLUPEAK has 1 strength but faces 8 concerns
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.4% in tier
- - Institutional Decline: Bottom 89.0% in tier
- - Shrinking Wallet Share: Bottom 91.1% in tier
- - Accelerating Exit Risk: Bottom 92.6% in tier
- - Stagnation Risk: Bottom 92.6% in tier
- - Membership Headwinds: Bottom 92.6% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 17.44% 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 |
52,548
-4.2% YoY-1.1% QoQ
|
-43.5K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 8.8% in tier |
| Assets |
$1.1B
-5.4% YoY-0.5% QoQ
|
$-591.7M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.7% in tier |
| Loans |
$743.3M
-7.8% YoY-0.3% QoQ
|
$-470.4M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.4% in tier |
| Deposits |
$1.0B
-6.5% YoY-0.6% QoQ
|
$-434.5M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.1%
-16.8% YoY-28.4% QoQ
|
-0.6% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.2% in tier |
| NIM |
3.1%
+18.6% YoY+8.6% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
92.1%
-0.5% YoY-1.9% QoQ
|
+17.4% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
0.3%
-84.7% YoY-0.4% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
72.1%
-1.4% YoY+0.4% QoQ
|
-11.1% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
19% |
| AMR |
$33,766
-3.0% YoY+0.7% QoQ
|
+$4K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
78% |
| CD Concentration |
20.6%
-10.6% YoY-5.8% QoQ
|
-8.3% | 28.8% | 21.6% | 19.8% | 15% |
| Indirect Auto % |
1.8%
+135.4% YoY+5.6% QoQ
|
-16.3% | 18.1% | 9.0% | 7.7% | 20% |
Signature Analysis
Strengths (0)
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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.
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.
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)