BlastPoint's Credit Union Scorecard
THE GOLDEN 1
Charter #61650 · CA
THE GOLDEN 1 has 2 strengths but faces 3 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
- + Wallet Share Momentum: Top 23.8% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 33.3% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 1.64% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,181,184
+3.5% YoY+0.9% QoQ
|
-650.1K |
1,831,295
-0.2% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$21.5B
+9.4% YoY+1.8% QoQ
|
$-7.7B |
$29.1B
+3.6% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$16.1B
+10.2% YoY+3.7% QoQ
|
$-5.3B |
$21.4B
+2.0% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$19.2B
+8.9% YoY+1.6% QoQ
|
$-5.6B |
$24.9B
+4.3% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.5%
-5.0% YoY-6.6% QoQ
|
-0.2% |
0.7%
+30.7% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
2.9%
+2.1% YoY-0.4% QoQ
|
-0.2% |
3.1%
+7.9% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
66.2%
-1.2% YoY+1.5% QoQ
|
+1.6% |
64.6%
-4.0% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.8%
-1.8% YoY+8.4% QoQ
|
-0.4 |
1.2%
+0.3% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
83.6%
+1.2% YoY+2.0% QoQ
|
-5.5% |
89.1%
-2.0% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$29,914
+5.8% YoY+1.6% QoQ
|
$-2K |
$31,580
+8.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
31.7%
+10.6% YoY-1.2% QoQ
|
+0.2% | 31.4% | 21.7% | 19.8% | 48% |
| Indirect Auto % |
25.6%
-18.0% YoY-5.1% QoQ
|
+11.4% | 14.1% | 9.2% | 7.8% | 71% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)