BlastPoint's Credit Union Scorecard
SAFE 1
Charter #61598 · CA
SAFE 1 has 7 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 4.0% in tier
- + ROA 0.95% above tier average
- + Net Interest Margin 0.35% above tier average
- + Members Per Employee (MPE): Top 1.0% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + First Mortgage Concentration (%): Top 2.0% in tier
- + Net Worth Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.6% in tier
- - Indirect Auto Dependency: Bottom 26.6% in tier
- - Liquidity Strain: Bottom 38.1% in tier
- - Indirect Auto Concentration (%): Bottom 1.0% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +7.4% year over year ($964M in shares and deposits).
- Membership: 90,340 members, +4.7% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 1.77%.
- Efficiency ratio 53.38% vs a 73.02% peer average.
- Loan-to-share ratio 92.42% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
90,340
+4.7% YoY+1.4% QoQ
|
-6.5K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$1.2B
+8.0% YoY+3.7% QoQ
|
$-562.9M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$890.8M
+10.1% YoY+8.2% QoQ
|
$-343.5M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$963.8M
+7.4% YoY+0.5% QoQ
|
$-499.6M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.7% in tier |
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| ROA |
1.8%
+9.3% YoY-1.1% QoQ
|
+1.0% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 4.3% in tier |
| NIM |
3.8%
+6.8% YoY+0.8% QoQ
|
+0.4% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
53.4%
-3.2% YoY-0.3% QoQ
|
-19.6% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 2.0% in tier |
| Delinquency Rate |
0.4%
-1.5% YoY+14.6% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
92.4%
+2.5% YoY+7.7% QoQ
|
+7.7% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$20,529
+3.8% YoY+2.6% QoQ
|
$-9K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
37.4%
+4.2% YoY+1.7% QoQ
|
+8.3% | 29.1% | 22.2% | 20.0% | 84% |
| Indirect Auto % |
59.2%
-0.9% YoY-0.4% QoQ
|
+41.1% | 18.1% | 9.2% | 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 (3)
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.
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)