BlastPoint's Credit Union Scorecard

HUNTINGTON BEACH

Charter #60967 · CA

<100M

2508 CUs in <100M nationally 92 in CA

HUNTINGTON BEACH has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.47% above tier average
+ Fee Income Per Member: Top 1.0% in tier
+ Average Member Relationship (AMR): Top 2.5% in tier

Key Concerns

Areas that may need attention

- Member decline: -4.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	1,954 -4.1% YoY+0.4% QoQ	-722	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	51%
Assets	$55.8M +2.5% YoY+3.6% QoQ	+$25.6M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	80%
Loans	$16.8M +6.1% YoY+1.9% QoQ	+$1.6M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	65%
Deposits	$48.4M +2.0% YoY+3.6% QoQ	+$22.6M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +145.0% YoY+184.1% QoQ	+1.5%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Top 12.6% in tier
NIM	3.5% +4.1% YoY+0.7% QoQ	-0.5%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	61.7% -24.7% YoY-27.5% QoQ	-28.9%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Top 14.0% in tier
Delinquency Rate	0.4% +73.0% YoY-16.8% QoQ	-1.1	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	38%
Loan To Share	34.8% +4.0% YoY-1.7% QoQ	-23.7%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	16%
AMR	$33,381 +7.4% YoY+2.8% QoQ	+$18K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 2.6% in tier
CD Concentration	9.3% +8.1% YoY+0.7% QoQ	-15.0%	24.3%	21.6%	19.8%	50%
Indirect Auto %	3.7% -40.2% YoY-14.0% QoQ	-10.1%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Fee Income Per Member

profitability

Value: $353.86

Peer Median: $60.42

#25 of 2508 Top 1.0% in <100M tier

Average Member Relationship (AMR)

engagement

Value: $33,381

Peer Median: $13,926

#64 of 2508 Top 2.5% in <100M tier

316

Return on Assets (ROA)

profitability

Value: 1.62%

Peer Median: 0.61%

#316 of 2508 Top 12.6% in <100M tier

349

Loan-to-Member Ratio (LMR)

engagement

Value: $8,617

Peer Median: $4,923

#349 of 2508 Top 13.9% in <100M tier

353

Efficiency Ratio

profitability

Value: 61.71%

Peer Median: 81.45%

#353 of 2508 Top 14.0% in <100M tier

397

AMR Growth Rate

growth

Value: 7.42%

Peer Median: 1.27%

#397 of 2508 Top 15.8% in <100M tier

433

Loan Growth Rate

growth

Value: 6.08%

Peer Median: -2.36%

#433 of 2508 Top 17.2% in <100M tier

479

Total Deposits

balance_sheet

Value: $48.39M

Peer Median: $18.77M

#479 of 2508 Top 19.1% in <100M tier

491

Total Assets

balance_sheet

Value: $55.82M

Peer Median: $21.86M

#491 of 2508 Top 19.5% in <100M tier

Top Weaknesses (3 metrics)

2220

Indirect Auto Concentration (%)

balance_sheet

Value: 3.71%

Peer Median: 0.00%

#2220 of 2508 Bottom 11.5% in <100M tier

2104

Loan-to-Share Ratio

balance_sheet

Value: 34.80%

Peer Median: 58.72%

#2104 of 2508 Bottom 16.1% in <100M tier

1954

Member Growth Rate

growth

Value: -4.12%

Peer Median: -1.37%

#1954 of 2508 Bottom 22.1% in <100M tier