BlastPoint's Credit Union Scorecard

SAN DIEGO COUNTY

Charter #61004 · CA

Large 7B-10B

29 CUs in 7B-10B nationally 6 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 3.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.5% in tier
- Efficiency Drag: Bottom 4.5% in tier
- Institutional Decline: Bottom 18.2% in tier
- Membership Headwinds: Bottom 92.2% in tier
- Stagnation Risk: Bottom 92.2% in tier
- ROA 0.44% below tier average
- Efficiency ratio 16.77% above tier (higher cost structure)
- Member decline: -3.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	413,767 -3.1% YoY+0.3% QoQ	-23.1K	436,889 -2.3% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	41%
Assets	$9.4B +0.8% YoY+1.0% QoQ	+$473.3M	$8.9B -0.1% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	59%
Loans	$4.9B -6.5% YoY-1.7% QoQ	$-1.2B	$6.1B -1.1% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 13.8% in tier
Deposits	$7.6B -1.1% YoY+1.2% QoQ	$-85.6M	$7.7B +1.8% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	45%

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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	0.5% -38.0% YoY-43.0% QoQ	-0.4%	0.9% +16.3% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	21%
NIM	2.2% +5.8% YoY+3.7% QoQ	-0.9%	3.1% +6.3% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 3.4% in tier
Efficiency Ratio	82.8% +10.1% YoY+16.9% QoQ	+16.8%	66.1% -2.8% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 3.4% in tier
Delinquency Rate	0.1% -5.6% YoY-57.2% QoQ	-0.5	0.6% +12.0% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 3.4% in tier
Loan To Share	65.2% -5.5% YoY-2.9% QoQ	-15.1%	80.4% -3.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 13.8% in tier
AMR	$30,229 -0.3% YoY-0.2% QoQ	$-7K	$37,056 +6.8% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	45%
CD Concentration	23.7% -2.8% YoY+1.0% QoQ	-4.9%	28.6%	21.6%	19.8%	27%
Indirect Auto %	13.2% -5.2% YoY+0.4% QoQ	-3.1%	16.4%	9.0%	7.7%	44%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Institutional Decline

decline

#2 of 5 • Bottom 18.2% in tier

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

Why This Signature

Total Assets: $9.38B

(Tier: $7.15B, National: $578.34M)

but better than tier avg

Member Growth (YoY): -3.09%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.54%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

5 of 66 Large CUs have this signature | 289 nationally

→ No prior data (5 CUs now) | 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: 20.02%

(Tier: 11.29%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 65.25%

(Tier: 82.82%, National: 65.58%)

worse than tier avg

1 of 66 Large CUs have this signature | 143 nationally

→ Stable (3→1 CUs) -2 CUs YoY

Membership Headwinds

decline

#6 of 10 • Bottom 92.2% in tier

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

Why This Signature

Member Growth (YoY): -3.09%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

10 of 66 Large CUs have this signature | 676 nationally

→ No prior data (10 CUs now) | New qualifier

Stagnation Risk

risk

#6 of 10 • Bottom 92.2% 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): -3.09%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.54%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.10%

(Tier: 0.67%, National: 1.19%)

but better than tier avg

10 of 66 Large CUs have this signature | 676 nationally

→ No prior data (10 CUs now) | New qualifier

Efficiency Drag

risk

#5 of 5 • Bottom 4.5% in tier

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

Why This Signature

Efficiency Ratio: 82.82%

(Tier: 66.35%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.31% points

(Tier: 0.13% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.09%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

5 of 66 Large CUs have this signature | 702 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 29 peers in tier

Top Strengths (4 metrics)

Net Worth Ratio

risk

Value: 20.02%

Peer Median: 11.34%

#1 of 29 Top 0.1% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.62%

#2 of 29 Top 3.4% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.45%

#4 of 29 Top 10.3% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 493.755

Peer Median: 401.853

#7 of 29 Top 20.7% in 7B-10B tier

Top Weaknesses (10 metrics)

Efficiency Ratio

profitability

Value: 82.82%

Peer Median: 65.65%

#29 of 29 Bottom 3.4% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 2.19%

Peer Median: 3.05%

#28 of 29 Bottom 6.9% in 7B-10B tier

Loan Growth Rate

growth

Value: -6.54%

Peer Median: 4.07%

#28 of 29 Bottom 6.9% in 7B-10B tier

Deposit Growth Rate

growth

Value: -1.14%

Peer Median: 4.66%

#27 of 29 Bottom 10.3% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 68.15%

Peer Median: 37.49%

#27 of 29 Bottom 10.3% in 7B-10B tier

Asset Growth Rate

growth

Value: 0.77%

Peer Median: 3.62%

#25 of 29 Bottom 17.2% in 7B-10B tier

Total Loans

balance_sheet

Value: $4.94B

Peer Median: $6.40B

#25 of 29 Bottom 17.2% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 65.25%

Peer Median: 82.39%

#25 of 29 Bottom 17.2% in 7B-10B tier

Member Growth Rate

growth

Value: -3.09%

Peer Median: 2.73%

#24 of 29 Bottom 20.7% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 0.50%

Peer Median: 0.92%

#23 of 29 Bottom 24.1% in 7B-10B tier