BlastPoint's Credit Union Scorecard

SAN DIEGO COUNTY

Charter #61004 · CA

Large 7B-10B

30 CUs in 7B-10B nationally 5 in CA

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SAN DIEGO COUNTY has 4 strengths but faces 17 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 33.3% in tier
+ Net Worth Ratio: Top 0.0% in tier
+ Net Charge-Off Rate: Top 3.3% in tier
+ Total Delinquency Rate (60+ days): Top 6.7% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 0.0% in tier
- Institutional Decline: Bottom 0.0% in tier
- Liquidity Overhang: Bottom 0.0% in tier
- Membership Headwinds: Bottom 13.0% in tier
- Shrinking Wallet Share: Bottom 14.6% in tier
- Stagnation Risk: Bottom 21.7% in tier
- Credit Quality Pressure: Bottom 24.6% in tier
- ROA 0.16% below tier average
- Efficiency ratio 7.18% above tier (higher cost structure)
- Member decline: -3.7% YoY
- Deposit Growth Rate: Bottom 3.3% in tier
- Asset Growth Rate: Bottom 6.7% in tier
- Loan Growth Rate: Bottom 6.7% in tier
- First Mortgage Concentration (%): Bottom 6.7% in tier
- Net Interest Margin (NIM): Bottom 10.0% in tier
- Member Growth Rate: Bottom 10.0% in tier
- Loan-to-Share Ratio: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	413,370 -3.7% YoY+0.1% QoQ	-45.9K	459,296 +3.8% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	40%
Assets	$9.3B -7.4% YoY-0.4% QoQ	+$340.8M	$8.9B +1.2% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	60%
Loans	$5.0B -9.4% YoY-2.1% QoQ	$-1.3B	$6.3B +2.9% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 13.3% in tier
Deposits	$7.5B -2.4% YoY-1.4% QoQ	+$24.2M	$7.5B +2.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	43%

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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	0.9% +30.3% YoY+4.0% QoQ	-0.2%	1.0% +22.1% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	40%
NIM	2.1% +9.0% YoY+1.3% QoQ	-0.9%	3.0% +11.5% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 6.7% in tier
Efficiency Ratio	70.9% -3.5% YoY-1.9% QoQ	+7.2%	63.7% -2.2% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	70%
Delinquency Rate	0.2% +4.7% YoY-6.8% QoQ	-0.5	0.7% +10.8% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 6.7% in tier
Loan To Share	67.4% -7.2% YoY-0.7% QoQ	-18.0%	85.4% +0.7% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Bottom 6.7% in tier
AMR	$30,283 -1.7% YoY-1.8% QoQ	$-3K	$33,660 -2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	53%
CD Concentration	24.8% +3.3% YoY-6.7% QoQ	-4.0%	28.9% -1.3% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	27%
Indirect Auto %	13.5% -8.6% YoY-0.6% QoQ	-3.1%	16.6% -10.3% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	44%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#6 of 16 • Top 33.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.21%

(Tier: 0.65%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY | Rank worsening

Concerns (7)

Accelerating Exit Risk

decline

#1 of 1 • Bottom 0.0% in tier

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

Why This Signature

Member Growth (YoY): -3.69%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -1.68%

(Tier: 2.82%, National: 4.19%)

worse than tier avg

1 of 64 Large CUs have this signature | 73 nationally

→ Stable (1→1 CUs)

Institutional Decline

decline

#1 of 5 • Bottom 0.0% in tier

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

Why This Signature

Total Assets: $9.26B

(Tier: $7.26B, National: $547.69M)

but better than tier avg

Member Growth (YoY): -3.69%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.38%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

5 of 64 Large CUs have this signature | 293 nationally

→ Stable (1→5 CUs) +4 CUs YoY

Liquidity Overhang

risk

#1 of 4 • Bottom 0.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 20.05%

(Tier: 11.62%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 67.40%

(Tier: 84.48%, National: 67.96%)

worse than tier avg

4 of 64 Large CUs have this signature | 155 nationally

→ Stable (3→4 CUs) +1 CUs YoY

Membership Headwinds

decline

#4 of 10 • Bottom 13.0% in tier

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

Why This Signature

Member Growth (YoY): -3.69%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

10 of 64 Large CUs have this signature | 648 nationally

↑ Growing +7 CUs YoY

Shrinking Wallet Share

decline

#8 of 15 • Bottom 14.6% in tier

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

Why This Signature

AMR Growth (YoY): -1.68%

(Tier: 2.82%, National: 4.19%)

worse than tier avg

15 of 64 Large CUs have this signature | 346 nationally

↓ Shrinking -6 CUs YoY | Rank worsening

Stagnation Risk

risk

#6 of 10 • Bottom 21.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.69%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.38%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.21%

(Tier: 0.65%, National: 1.23%)

but better than tier avg

10 of 64 Large CUs have this signature | 648 nationally

↑ Growing +7 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#31 of 34 • Bottom 24.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY | Rank worsening

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 30 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 20.05%

Peer Avg: -

#1 of 30 Top 0.0% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.11%

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Avg: -

#3 of 30 Top 6.7% in 7B-10B tier

Top Weaknesses (9 metrics)

Deposit Growth Rate

growth

Value: -2.36%

Peer Avg: -

#30 of 30 Bottom 3.3% in 7B-10B tier

Asset Growth Rate

growth

Value: -7.42%

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

Loan Growth Rate

growth

Value: -9.38%

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 68.39%

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 2.07%

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

Member Growth Rate

growth

Value: -3.69%

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 67.40%

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

Total Loans

balance_sheet

Value: $5.04B

Peer Avg: -

#26 of 30 Bottom 16.7% in 7B-10B tier

AMR Growth Rate

growth

Value: -1.68%

Peer Avg: -

#24 of 30 Bottom 23.3% in 7B-10B tier