BlastPoint's Credit Union Scorecard
SAFE 1
Charter #61598 · CA
SAFE 1 has 7 strengths but faces 4 concerns
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 2.1% in tier
- + ROA 1.07% above tier average
- + Net Interest Margin 0.39% above tier average
- + Members Per Employee (MPE): Top 1.0% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + First Mortgage Concentration (%): Top 2.6% in tier
- + Net Worth Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.2% in tier
- - Indirect Auto Dependency: Bottom 38.9% in tier
- - Indirect Auto Concentration (%): Bottom 1.0% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,063
+5.0% YoY+1.1% QoQ
|
-7.0K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$1.1B
+6.3% YoY+1.3% QoQ
|
$-599.5M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.1% in tier |
| Loans |
$823.0M
+9.5% YoY-0.7% QoQ
|
$-390.7M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$958.6M
+7.8% YoY+4.1% QoQ
|
$-506.9M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.4% in tier |
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| ROA |
1.8%
+9.9% YoY-0.5% QoQ
|
+1.1% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.6% in tier |
| NIM |
3.7%
+4.8% YoY+4.1% QoQ
|
+0.4% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
53.5%
-3.6% YoY+1.4% QoQ
|
-21.1% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 2.0% in tier |
| Delinquency Rate |
0.3%
-0.2% YoY-16.9% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
85.9%
+1.5% YoY-4.7% QoQ
|
+2.7% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$20,004
+3.4% YoY+0.8% QoQ
|
$-10K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
36.8%
+8.2% YoY-0.8% QoQ
|
+7.9% | 28.8% | 21.6% | 19.8% | 82% |
| Indirect Auto % |
59.4%
+0.6% YoY-0.5% QoQ
|
+41.4% | 18.1% | 9.0% | 7.7% | Bottom 0.8% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)