BlastPoint's Credit Union Scorecard
SAFE 1
Charter #61598 · CA
SAFE 1 has 11 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.7% in tier
- + Profitability Leader: Top 9.6% in tier
- + Emerging Performer: Top 9.9% in tier
- + Credit Quality Leader: Top 55.3% in tier
- + ROA 0.96% above tier average
- + Net Interest Margin 0.30% above tier average
- + Members Per Employee (MPE): Top 1.0% in tier
- + Efficiency Ratio: Top 1.6% in tier
- + First Mortgage Concentration (%): Top 2.6% in tier
- + Net Worth Ratio: Top 6.2% in tier
- + Asset Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.5% in tier
- - Liquidity Strain: Bottom 25.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
- - Total Deposits: Bottom 7.9% in tier
- - Total Assets: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,778
+4.8% YoY+1.7% QoQ
|
-10.9K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$1.1B
+10.9% YoY+0.7% QoQ
|
$-636.8M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.2% in tier |
| Loans |
$834.7M
+8.8% YoY+3.2% QoQ
|
$-398.3M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$907.0M
+10.4% YoY+1.0% QoQ
|
$-547.3M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.6% in tier |
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| ROA |
1.7%
+28.7% YoY+2.8% QoQ
|
+1.0% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 3.0% in tier |
| NIM |
3.6%
+9.9% YoY+0.9% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
54.6%
-8.9% YoY-1.0% QoQ
|
-19.4% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate |
0.3%
-40.6% YoY-20.3% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.2% in tier |
| Loan To Share |
92.0%
-1.5% YoY+2.1% QoQ
|
+6.8% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$19,842
+4.7% YoY+0.4% QoQ
|
$-9K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.9% in tier |
| CD Concentration |
36.9%
+18.6% YoY+2.9% QoQ
|
+8.0% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
83% |
| Indirect Auto % |
60.4%
+0.7% YoY+1.1% QoQ
|
+41.6% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 0.5% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)