BlastPoint's Credit Union Scorecard
ROLLING F
Charter #61128 ยท CA
2596 CUs in <100M nationally
92 in CA
ROLLING F has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -67.0% YoY
- - Member Growth Rate: Bottom 0.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,956
-67.0% YoY-2.8% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 14.4% in tier |
| Assets |
$64.7M
-2.8% YoY+2.6% QoQ
|
+$34.9M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 14.7% in tier |
| Loans |
$31.9M
-6.5% YoY+0.4% QoQ
|
+$16.2M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$57.2M
-3.4% YoY+3.3% QoQ
|
+$31.7M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 13.6% in tier |
| ROA |
0.8%
+184.3% YoY+2.2% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
3.1%
+13.0% YoY+1.5% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
79.1%
-8.6% YoY+3.8% QoQ
|
-2.3% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.5%
-70.3% YoY+89.2% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
55.8%
-3.3% YoY-2.8% QoQ
|
-5.4% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$17,979
+188.9% YoY+5.2% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
22.6%
-10.3% YoY-3.5% QoQ
|
-1.8% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
3
AMR Growth Rate
growth
Value:
188.89%
Peer Avg: 4.67%
#3 of 2596
Top 0.1% in <100M tier
353
Total Deposits
balance_sheet
Value:
$57.19M
Peer Avg: $25.45M
#353 of 2596
Top 13.6% in <100M tier
373
Total Members
engagement
Value:
4,956
Peer Avg: 2,626
#373 of 2596
Top 14.3% in <100M tier
381
Total Assets
balance_sheet
Value:
$64.74M
Peer Avg: $29.86M
#381 of 2596
Top 14.6% in <100M tier
426
Total Loans
balance_sheet
Value:
$31.92M
Peer Avg: $15.77M
#426 of 2596
Top 16.4% in <100M tier
Top Weaknesses (5 metrics)
2585
Member Growth Rate
growth
Value:
-66.96%
Peer Avg: 14.92%
#2585 of 2596
Bottom 0.5% in <100M tier
2246
First Mortgage Concentration (%)
balance_sheet
Value:
38.79%
Peer Avg: 14.49%
#2246 of 2596
Bottom 13.5% in <100M tier
2060
Net Interest Margin (NIM)
profitability
Value:
3.09%
Peer Avg: 3.93%
#2060 of 2596
Bottom 20.7% in <100M tier
2021
Asset Growth Rate
growth
Value:
-2.84%
Peer Avg: 1.82%
#2021 of 2596
Bottom 22.2% in <100M tier
1955
Deposit Growth Rate
growth
Value:
-3.40%
Peer Avg: 16.80%
#1955 of 2596
Bottom 24.7% in <100M tier