BlastPoint's Credit Union Scorecard

WHEELHOUSE

Charter #61003 · CA

1069 CUs in 100M-500M nationally 63 in CA

WHEELHOUSE has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 85.2% in tier
  • + Organic Growth Leader: Top 93.4% in tier
  • + Total Loans: Top 1.0% in tier
  • + Total Delinquency Rate (60+ days): Top 1.7% in tier
  • + Total Deposits: Top 4.4% in tier
  • + Total Assets: Top 4.9% in tier
  • + Total Members: Top 5.1% in tier
  • + Loan-to-Share Ratio: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 49.8% in tier
  • - ROA 0.02% below tier average
  • - Efficiency ratio 2.07% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 32,353
+0.7% YoY+1.4% QoQ
 +16.9K 15,437
-2.9% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 Top 5.1% in tier
Assets $448.1M
+1.5% YoY+5.4% QoQ
 +$216.2M $231.9M
+1.3% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 Top 5.0% in tier
Loans $370.5M
+7.8% YoY+6.4% QoQ
 +$223.2M $147.3M
-0.1% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 Top 1.1% in tier
Deposits $393.6M
+3.8% YoY+3.6% QoQ
 +$192.8M $200.8M
+0.8% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 Top 4.5% in tier

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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 0.7%
+456.7% YoY+239.0% QoQ
 -0.0% 0.8%
+18.2% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 49%
NIM 3.5%
+15.4% YoY+0.1% QoQ
 -0.1% 3.6%
+6.7% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 42%
Efficiency Ratio 79.1%
-13.3% YoY-12.3% QoQ
 +2.1% 77.0%
-3.1% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 56%
Delinquency Rate 0.0%
-55.4% YoY-22.9% QoQ
 -0.9 0.9%
+4.2% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 Bottom 1.7% in tier
Loan To Share 94.1%
+3.9% YoY+2.7% QoQ
 +21.9% 72.2%
-1.1% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 Top 7.7% in tier
AMR $23,618
+5.0% YoY+3.6% QoQ
 $-1K $24,676
+3.4% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 56%
CD Concentration 33.6%
-0.9% YoY+6.5% QoQ
 +9.2% 24.4% 21.7% 19.8% 50%
Indirect Auto % 0.0%
-75.0% YoY-32.9% QoQ
 -13.8% 13.8% 9.2% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#507 of 595 • Top 85.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.66%
(Tier: 0.69%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.74%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.02%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#398 of 426 • Top 93.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.66%
(Tier: 0.69%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 0.02%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk
#114 of 228 • Bottom 49.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.13%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 7.80%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 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 1069 peers in tier

Top Strengths (6 metrics)

12
Total Loans
balance_sheet
Value: $370.50M
Peer Median: -
#12 of 1069 Top 1.0% in 100M-500M tier
19
Total Delinquency Rate (60+ days)
risk
Value: 0.03%
Peer Median: -
#19 of 1069 Top 1.7% in 100M-500M tier
48
Total Deposits
balance_sheet
Value: $393.60M
Peer Median: -
#48 of 1069 Top 4.4% in 100M-500M tier
53
Total Assets
balance_sheet
Value: $448.06M
Peer Median: -
#53 of 1069 Top 4.9% in 100M-500M tier
55
Total Members
engagement
Value: 32,353
Peer Median: -
#55 of 1069 Top 5.1% in 100M-500M tier
82
Loan-to-Share Ratio
balance_sheet
Value: 94.13%
Peer Median: -
#82 of 1069 Top 7.6% in 100M-500M tier

Top Weaknesses (3 metrics)

992
Net Worth Ratio
risk
Value: 8.39%
Peer Median: -
#992 of 1069 Bottom 7.3% in 100M-500M tier
869
Share Certificate Concentration (%)
balance_sheet
Value: 33.61%
Peer Median: -
#869 of 1069 Bottom 18.8% in 100M-500M tier
823
Asset Growth Rate
growth
Value: 1.45%
Peer Median: -
#823 of 1069 Bottom 23.1% in 100M-500M tier
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