BLUPEAK

Charter #60801 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

BLUPEAK has 2 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 34.0% in tier
  • + Total Delinquency Rate (60+ days): Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Accelerating Exit Risk: Bottom 4.5% in tier
  • - Shrinking Wallet Share: Bottom 4.6% in tier
  • - Membership Headwinds: Bottom 8.8% in tier
  • - Institutional Decline: Bottom 8.8% in tier
  • - Efficiency Drag: Bottom 15.2% in tier
  • - Credit Quality Pressure: Bottom 17.0% in tier
  • - Stagnation Risk: Bottom 17.6% in tier
  • - ROA 0.50% below tier average
  • - Efficiency ratio 21.80% above tier (higher cost structure)
  • - Member decline: -4.7% YoY
  • - Asset Growth Rate: Bottom 1.6% in tier
  • - Deposit Growth Rate: Bottom 1.6% in tier
  • - Loan Growth Rate: Bottom 3.0% in tier
  • - AMR Growth Rate: Bottom 4.6% in tier
  • - Member Growth Rate: Bottom 7.6% in tier
  • - Total Members: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 53,604
-4.7% YoY-0.9% QoQ
 -45.1K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 9.5% in tier
Assets $1.1B
-10.8% YoY-2.4% QoQ
 $-576.9M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 16.1% in tier
Loans $761.6M
-9.3% YoY-1.7% QoQ
 $-471.4M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 11.2% in tier
Deposits $1.0B
-11.9% YoY-3.0% QoQ
 $-408.9M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 23.4% in tier
ROA 0.2%
-129.6% YoY-9.0% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 8.9% in tier
NIM 2.8%
+21.4% YoY+3.4% QoQ
 -0.5% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 19.4% in tier
Efficiency Ratio 95.8%
-4.7% YoY-1.9% QoQ
 +21.8% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 1.0% in tier
Delinquency Rate 0.2%
+71.9% YoY-14.6% QoQ
 -0.6 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 5.9% in tier
Loan To Share 72.9%
+3.0% YoY+1.4% QoQ
 -12.3% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 18.1% in tier
AMR $33,711
-6.4% YoY-1.6% QoQ
 +$5K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 20.1% in tier
CD Concentration 22.5%
+0.7% YoY-6.3% QoQ
 -6.5% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 21.1% in tier
Indirect Auto % 1.7%
+132.9% YoY+41.5% QoQ
 -17.1% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 19.5% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#181 of 184 • Top 34.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.21%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -4.74%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (7)

Accelerating Exit Risk

decline
#3 of 13 • Bottom 4.5% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -4.74%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -6.39%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#15 of 83 • Bottom 4.6% in tier

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

Why This Signature
AMR Growth (YoY): -6.39%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Membership Headwinds

decline
#22 of 85 • Bottom 8.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.74%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank improving

Institutional Decline

decline
#10 of 31 • Bottom 8.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.14B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -4.74%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -9.28%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Efficiency Drag

risk
#51 of 96 • Bottom 15.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 95.77%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.90% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -4.74%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY

Credit Quality Pressure

risk
#131 of 217 • Bottom 17.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Stagnation Risk

risk
#43 of 85 • Bottom 17.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.21%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.74%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $33.7K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 22.49%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (5 metrics)

19
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Avg: 0.83%
#19 of 304 Top 5.9% in 1B-3B tier
41
Members Per Employee (MPE)
engagement
Value: 454.271
Peer Avg: 364.953
#41 of 304 Top 13.2% in 1B-3B tier
61
Average Member Relationship (AMR)
engagement
Value: $33,711
Peer Avg: $29,172
#61 of 304 Top 19.7% in 1B-3B tier
65
Indirect Auto Concentration (%)
balance_sheet
Value: 1.66%
Peer Avg: 18.32%
#65 of 304 Top 21.1% in 1B-3B tier
70
Share Certificate Concentration (%)
balance_sheet
Value: 22.49%
Peer Avg: 28.53%
#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (17 metrics)

302
Efficiency Ratio
profitability
Value: 95.77%
Peer Avg: 73.97%
#302 of 304 Bottom 1.0% in 1B-3B tier
300
Asset Growth Rate
growth
Value: -10.81%
Peer Avg: 4.83%
#300 of 304 Bottom 1.6% in 1B-3B tier
300
Deposit Growth Rate
growth
Value: -11.92%
Peer Avg: 5.58%
#300 of 304 Bottom 1.6% in 1B-3B tier
296
Loan Growth Rate
growth
Value: -9.28%
Peer Avg: 5.27%
#296 of 304 Bottom 3.0% in 1B-3B tier
291
AMR Growth Rate
growth
Value: -6.39%
Peer Avg: 3.29%
#291 of 304 Bottom 4.6% in 1B-3B tier
282
Member Growth Rate
growth
Value: -4.74%
Peer Avg: 2.20%
#282 of 304 Bottom 7.6% in 1B-3B tier
277
Return on Assets (ROA)
profitability
Value: 0.21%
Peer Avg: 0.70%
#277 of 304 Bottom 9.2% in 1B-3B tier
275
Total Members
engagement
Value: 53,604
Peer Avg: 98,678
#275 of 304 Bottom 9.9% in 1B-3B tier
270
Total Loans
balance_sheet
Value: $761.64M
Peer Avg: $1.23B
#270 of 304 Bottom 11.5% in 1B-3B tier
261
Net Worth Ratio
risk
Value: 9.16%
Peer Avg: 11.44%
#261 of 304 Bottom 14.5% in 1B-3B tier