BlastPoint's Credit Union Scorecard

WHEELHOUSE

Charter #61003 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.43% above tier average
+ Total Loans: Top 0.4% in tier
+ Total Deposits: Top 2.6% in tier
+ Total Assets: Top 3.9% in tier
+ Total Members: Top 4.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 8.5% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits +8.7% year over year ($410M in shares and deposits).
Membership: 32,392 members, +2.8% vs a year ago.
Delinquency rate 0.13%.
Return on assets 1.30%.
Efficiency ratio 71.64% vs a 76.73% peer average.
Loan-to-share ratio 93.14% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	32,392 +2.8% YoY-0.4% QoQ	+17.2K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Top 4.9% in tier
Assets	$459.7M +9.4% YoY+0.6% QoQ	+$227.7M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Top 4.0% in tier
Loans	$381.7M +10.9% YoY+4.6% QoQ	+$235.5M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Top 0.5% in tier
Deposits	$409.8M +8.7% YoY+2.3% QoQ	+$209.1M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Top 2.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% +400.2% YoY+286.7% QoQ	+0.4%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	80%
NIM	3.7% +9.8% YoY+0.4% QoQ	+0.0%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	51%
Efficiency Ratio	71.6% -20.6% YoY-19.2% QoQ	-5.1%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	31%
Delinquency Rate	0.1% +70.2% YoY	-0.7	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Top 7.5% in tier
Loan To Share	93.1% +2.0% YoY+2.2% QoQ	+21.6%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Top 9.1% in tier
AMR	$24,436 +6.8% YoY+3.8% QoQ	$-671	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	58%
CD Concentration	37.3% +17.8% YoY+7.3% QoQ	+12.7%	24.6%	22.2%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#86 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.75%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.30%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.01%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Organic Growth Leader

growth

#158 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.75%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.01%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Wallet Share Momentum

growth

#305 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.82%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk

#112 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.14%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 10.91%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Credit Risk Growth

risk

#238 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.91%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#572 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (13 metrics)

Total Loans

balance_sheet

Value: $381.72M

Peer Median: $124.04M

#5 of 1024 Top 0.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $409.81M

Peer Median: $170.77M

#28 of 1024 Top 2.6% in 100M-500M tier

Total Assets

balance_sheet

Value: $459.70M

Peer Median: $196.38M

#41 of 1024 Top 3.9% in 100M-500M tier

Total Members

engagement

Value: 32,392

Peer Median: 13,128

#50 of 1024 Top 4.8% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.71%

#78 of 1024 Top 7.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.14%

Peer Median: 73.07%

#93 of 1024 Top 9.0% in 100M-500M tier

105

Fee Income Per Member

profitability

Value: $257.30

Peer Median: $159.88

#105 of 1024 Top 10.2% in 100M-500M tier

127

Asset Growth Rate

growth

Value: 9.42%

Peer Median: 4.12%

#127 of 1024 Top 12.3% in 100M-500M tier

136

Deposit Growth Rate

growth

Value: 8.71%

Peer Median: 3.58%

#136 of 1024 Top 13.2% in 100M-500M tier

141

Loan Growth Rate

growth

Value: 10.91%

Peer Median: 3.02%

#141 of 1024 Top 13.7% in 100M-500M tier

Top Weaknesses (2 metrics)

938

Net Worth Ratio

risk

Value: 8.73%

Peer Median: 11.71%

#938 of 1024 Bottom 8.5% in 100M-500M tier

912

Share Certificate Concentration (%)

balance_sheet

Value: 37.25%

Peer Median: 23.39%

#912 of 1024 Bottom 11.0% in 100M-500M tier