BlastPoint's Credit Union Scorecard

SAN DIEGO COUNTY

Charter #61004 · CA

Large 7B-10B

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

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SAN DIEGO COUNTY has 2 strengths but faces 8 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

+ Net Worth Ratio: Top 0.1% in tier
+ Total Delinquency Rate (60+ days): Top 7.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.5% in tier
- Cost Spiral: Bottom 1.6% in tier
- Efficiency Drag: Bottom 7.6% in tier
- Membership Headwinds: Bottom 87.5% in tier
- Stagnation Risk: Bottom 87.5% in tier
- ROA 0.48% below tier average
- Efficiency ratio 14.55% above tier (higher cost structure)
- Member decline: -2.4% YoY

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 28 credit unions with $7B-$10B in assets nationally, and 1 of 5 that size in California.
Shares and deposits +3.0% year over year ($7.82B in shares and deposits).
Membership: 403,306 members, -2.4% vs a year ago.
Delinquency rate 0.20%.
Return on assets 0.55%.
Efficiency ratio 80.62% vs a 66.07% peer average.
Loan-to-share ratio 65.87% vs a 81.29% 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	403,306 -2.4% YoY-2.5% QoQ	-35.6K	438,885 -1.1% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	36%
Assets	$9.5B +2.6% YoY+1.7% QoQ	+$626.9M	$8.9B +0.0% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	68%
Loans	$5.1B +0.0% YoY+4.3% QoQ	$-1.1B	$6.2B -0.6% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 14.3% in tier
Deposits	$7.8B +3.0% YoY+3.3% QoQ	+$161.0M	$7.7B +2.7% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	50%

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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	0.5% -34.6% YoY+9.6% QoQ	-0.5%	1.0% +4.7% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	18%
NIM	2.2% +5.6% YoY-1.7% QoQ	-0.9%	3.1% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 3.6% in tier
Efficiency Ratio	80.6% +11.6% YoY-2.7% QoQ	+14.5%	66.1% +1.6% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 10.7% in tier
Delinquency Rate	0.2% -14.0% YoY+90.6% QoQ	-0.6	0.8% +23.1% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Top 7.1% in tier
Loan To Share	65.9% -2.9% YoY+1.0% QoQ	-15.4%	81.3% -3.8% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 14.3% in tier
AMR	$32,152 +4.3% YoY+6.4% QoQ	$-5K	$37,279 +8.1% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	54%
CD Concentration	29.1% +9.5% YoY+22.7% QoQ	+0.8%	28.3%	22.2%	20.0%	53%
Indirect Auto %	14.4% +5.9% YoY+8.7% QoQ	-2.4%	16.8%	9.2%	7.7%	46%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Cost Spiral

risk

#1 of 2 • Bottom 1.6% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 8.35% points

(Tier: -3.41% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 72.27%

(Tier: 68.44%, National: 86.72%)

worse than tier avg

2 of 67 Large CUs have this signature | 106 nationally

→ Stable (5→2 CUs) -3 CUs YoY | New qualifier

Liquidity Overhang

risk

#1 of 1 • Bottom 1.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.82%

(Tier: 11.37%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 65.87%

(Tier: 84.03%, National: 66.39%)

worse than tier avg

1 of 67 Large CUs have this signature | 148 nationally

→ Stable (4→1 CUs) -3 CUs YoY

Membership Headwinds

decline

#9 of 13 • Bottom 87.5% in tier

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

Why This Signature

Member Growth (YoY): -2.37%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | Rank worsening

Stagnation Risk

risk

#11 of 13 • Bottom 87.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.37%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 0.00%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.20%

(Tier: 0.79%, National: 1.26%)

but better than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | Rank worsening

Efficiency Drag

risk

#5 of 5 • Bottom 7.6% in tier

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

Why This Signature

Efficiency Ratio: 80.62%

(Tier: 65.60%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.29% points

(Tier: 0.14% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -2.37%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

5 of 67 Large CUs have this signature | 608 nationally

→ Stable (8→5 CUs) -3 CUs YoY | New qualifier

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 28 peers in tier

Top Strengths (4 metrics)

Net Worth Ratio

risk

Value: 19.82%

Peer Median: 11.61%

#1 of 28 Top 0.1% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.71%

#3 of 28 Top 7.1% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.42%

#4 of 28 Top 10.7% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 477.851

Peer Median: 394.254

#8 of 28 Top 25.0% in 7B-10B tier

Top Weaknesses (8 metrics)

Net Interest Margin (NIM)

profitability

Value: 2.16%

Peer Median: 3.12%

#27 of 28 Bottom 7.1% in 7B-10B tier

Efficiency Ratio

profitability

Value: 80.62%

Peer Median: 63.82%

#26 of 28 Bottom 10.7% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 66.74%

Peer Median: 37.58%

#26 of 28 Bottom 10.7% in 7B-10B tier

Loan Growth Rate

growth

Value: 0.00%

Peer Median: 4.76%

#24 of 28 Bottom 17.9% in 7B-10B tier

Total Loans

balance_sheet

Value: $5.15B

Peer Median: $6.60B

#24 of 28 Bottom 17.9% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 65.87%

Peer Median: 83.58%

#24 of 28 Bottom 17.9% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 0.55%

Peer Median: 1.12%

#23 of 28 Bottom 21.4% in 7B-10B tier

Member Growth Rate

growth

Value: -2.37%

Peer Median: 2.28%

#22 of 28 Bottom 25.0% in 7B-10B tier