BlastPoint's Credit Union Scorecard
SAFE 1
Charter #61598 · CA
SAFE 1 has 8 strengths but faces 5 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
- + Emerging Performer: Top 2.6% in tier
- + Organic Growth Engine: Top 19.5% in tier
- + ROA 1.11% above tier average
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio: Top 0.7% in tier
- + Members Per Employee (MPE): Top 1.0% in tier
- + First Mortgage Concentration (%): Top 2.3% in tier
- + Net Worth Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.1% in tier
- - Liquidity Strain: Bottom 79.4% in tier
- - Indirect Auto Concentration (%): Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 6.3% in tier
- - Total Deposits: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,136
+4.8% YoY+0.4% QoQ
|
-9.3K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$1.1B
+10.6% YoY+2.1% QoQ
|
$-617.5M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.9% in tier |
| Loans |
$829.0M
+9.9% YoY-0.7% QoQ
|
$-405.4M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$920.5M
+9.6% YoY+1.5% QoQ
|
$-538.8M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.6% in tier |
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| ROA |
1.8%
+31.1% YoY+8.1% QoQ
|
+1.1% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.0% in tier |
| NIM |
3.6%
+6.1% YoY+0.8% QoQ
|
+0.3% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
52.8%
-10.0% YoY-3.3% QoQ
|
-21.3% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate |
0.4%
-27.3% YoY+29.8% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
90.1%
+0.3% YoY-2.1% QoQ
|
+5.3% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$19,851
+4.7% YoY+0.0% QoQ
|
$-10K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
37.1%
+13.1% YoY+0.5% QoQ
|
+8.0% | 29.0% | 21.7% | 19.8% | 82% |
| Indirect Auto % |
59.7%
+0.7% YoY-1.1% QoQ
|
+41.4% | 18.3% | 9.2% | 7.8% | Top 0.5% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)