BlastPoint's Credit Union Scorecard

SAN DIEGO COUNTY

Charter #61004 · CA

Large 7B-10B

33 CUs in 7B-10B nationally 7 in CA

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SAN DIEGO COUNTY has 3 strengths but faces 15 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 0.0% in tier
+ Net Charge-Off Rate: Top 3.0% in tier
+ Total Delinquency Rate (60+ days): Top 9.1% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 0.0% in tier
- Liquidity Overhang: Bottom 0.0% in tier
- Stagnation Risk: Bottom 37.5% in tier
- Membership Headwinds: Bottom 62.5% in tier
- Flatlined Growth: Bottom 80.0% in tier
- Credit Quality Pressure: Bottom 83.3% in tier
- Accelerating Exit Risk: Bottom 100.0% in tier
- Shrinking Wallet Share: Bottom 100.0% in tier
- ROA 0.09% below tier average
- Efficiency ratio 6.06% above tier (higher cost structure)
- Member decline: -3.5% YoY
- Loan Growth Rate: Bottom 3.0% in tier
- Net Interest Margin (NIM): Bottom 6.1% in tier
- First Mortgage Concentration (%): Bottom 6.1% in tier
- Deposit Growth Rate: Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	412,666 -3.5% YoY-0.2% QoQ	-33.3K	445,922 +0.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	42%
Assets	$9.3B +1.3% YoY+0.3% QoQ	+$355.6M	$8.9B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	52%
Loans	$5.0B -8.0% YoY-0.3% QoQ	$-1.2B	$6.3B +0.8% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	18%
Deposits	$7.5B -1.1% YoY-0.0% QoQ	$-42.9M	$7.5B +1.2% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	46%

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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% +27.6% YoY+0.7% QoQ	-0.1%	1.0% +27.8% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	52%
NIM	2.1% +3.5% YoY+2.3% QoQ	-0.9%	3.0% +12.0% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 3.0% in tier
Efficiency Ratio	70.9% -5.1% YoY-0.1% QoQ	+6.1%	64.8% -2.3% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	0.2% +19.7% YoY+13.1% QoQ	-0.5	0.7% +5.5% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Bottom 9.1% in tier
Loan To Share	67.2% -7.0% YoY-0.3% QoQ	-16.2%	83.4% -0.6% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 12.1% in tier
AMR	$30,287 -0.5% YoY+0.0% QoQ	$-4K	$34,266 -1.7% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	52%
CD Concentration	23.5% +3.7% YoY-5.3% QoQ	-5.6%	29.1%	21.7%	19.8%	27%
Indirect Auto %	13.2% -7.1% YoY-2.4% QoQ	-3.9%	17.1%	9.2%	7.8%	39%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Institutional Decline

decline

#1 of 6 • 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: $9.29B

(Tier: $7.32B, National: $561.61M)

but better than tier avg

Member Growth (YoY): -3.54%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -8.05%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

6 of 68 Large CUs have this signature | 277 nationally

→ No prior data (6 CUs now) | New qualifier

Liquidity Overhang

risk

#1 of 3 • Bottom 0.0% in tier

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

Why This Signature

Net Worth Ratio: 20.10%

(Tier: 11.56%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 67.18%

(Tier: 84.88%, National: 67.44%)

worse than tier avg

3 of 68 Large CUs have this signature | 155 nationally

→ Stable (4→3 CUs) -1 CUs YoY

Stagnation Risk

risk

#4 of 9 • Bottom 37.5% 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): -3.54%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -8.05%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.24%

(Tier: 0.75%, National: 1.28%)

but better than tier avg

9 of 68 Large CUs have this signature | 652 nationally

→ No prior data (9 CUs now) | New qualifier

Membership Headwinds

decline

#6 of 9 • Bottom 62.5% in tier

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

Why This Signature

Member Growth (YoY): -3.54%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

9 of 68 Large CUs have this signature | 652 nationally

→ No prior data (9 CUs now) | New qualifier

Flatlined Growth

risk

#5 of 6 • Bottom 80.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.32%

(Tier: 8.38%, National: 3.54%)

worse than tier avg

Return on Assets: 0.88%

(Tier: 0.90%, National: 0.67%)

worse than tier avg

6 of 68 Large CUs have this signature | 59 nationally

→ No prior data (6 CUs now) | New qualifier

Credit Quality Pressure

risk

#31 of 37 • Bottom 83.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.06% points)

but better than tier avg

37 of 68 Large CUs have this signature | 969 nationally

→ Stable (41→37 CUs) -4 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#2 of 2 • Bottom 100.0% in tier

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

Why This Signature

Member Growth (YoY): -3.54%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -0.51%

(Tier: 3.92%, National: 4.00%)

worse than tier avg

2 of 68 Large CUs have this signature | 69 nationally

→ No prior data (2 CUs now) | New qualifier

Shrinking Wallet Share

decline

#13 of 13 • Bottom 100.0% in tier

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

Why This Signature

AMR Growth (YoY): -0.51%

(Tier: 3.92%, National: 4.00%)

worse than tier avg

13 of 68 Large CUs have this signature | 303 nationally

→ Stable (16→13 CUs) -3 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 33 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 20.10%

Peer Median: -

#1 of 33 Top 0.0% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: -

#2 of 33 Top 3.0% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: -

#4 of 33 Top 9.1% in 7B-10B tier

Top Weaknesses (8 metrics)

Loan Growth Rate

growth

Value: -8.05%

Peer Median: -

#33 of 33 Bottom 3.0% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 2.12%

Peer Median: -

#32 of 33 Bottom 6.1% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 67.85%

Peer Median: -

#32 of 33 Bottom 6.1% in 7B-10B tier

Deposit Growth Rate

growth

Value: -1.13%

Peer Median: -

#31 of 33 Bottom 9.1% in 7B-10B tier

Member Growth Rate

growth

Value: -3.54%

Peer Median: -

#29 of 33 Bottom 15.2% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 67.18%

Peer Median: -

#29 of 33 Bottom 15.2% in 7B-10B tier

Asset Growth Rate

growth

Value: 1.32%

Peer Median: -

#27 of 33 Bottom 21.2% in 7B-10B tier

Total Loans

balance_sheet

Value: $5.02B

Peer Median: -

#27 of 33 Bottom 21.2% in 7B-10B tier