BlastPoint's Credit Union Scorecard

SISKIYOU

Charter #61682 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

SISKIYOU has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.33% above tier average
+ Net Interest Margin 1.69% above tier average
+ Strong member growth: 7.4% YoY
+ First Mortgage Concentration (%): Top 3.5% in tier
+ Member Growth Rate: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 0.15% above tier average
- Indirect Auto Concentration (%): Bottom 1.4% in tier
- Net Charge-Off Rate: Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	11,788 +7.4% YoY+1.9% QoQ	-3.4K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	43%
Assets	$144.7M +1.8% YoY-0.7% QoQ	$-87.0M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	28%
Loans	$110.3M +12.4% YoY+1.5% QoQ	$-33.8M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	43%
Deposits	$134.0M +1.5% YoY-0.9% QoQ	$-67.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -11.6% YoY+8.7% QoQ	+0.3%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	73%
NIM	5.3% +68.7% YoY+18.2% QoQ	+1.7%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Top 1.6% in tier
Efficiency Ratio	68.6% +6.9% YoY+10.9% QoQ	-9.5%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.9% +37.0% YoY+17.7% QoQ	+0.2	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	72%
Loan To Share	82.3% +10.8% YoY+2.4% QoQ	+11.9%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	74%
AMR	$20,728 -1.2% YoY-1.7% QoQ	$-4K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	36%
CD Concentration	24.0% +15.6% YoY+1.4% QoQ	-0.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	70.0% +68.4% YoY+1.0% QoQ	+56.2%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#36 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.06%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 7.45%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (5)

Credit Risk Growth

risk

#72 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.44%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#285 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#249 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.84%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 69.98%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 7.45%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#194 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.19%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Margin Compression

decline

#116 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.06%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.20%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.32%

Peer Median: 3.62%

#17 of 1070 Top 1.5% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 2.37%

Peer Median: 29.47%

#38 of 1070 Top 3.5% in 100M-500M tier

Member Growth Rate

growth

Value: 7.45%

Peer Median: -0.06%

#63 of 1070 Top 5.8% in 100M-500M tier

117

Loan Growth Rate

growth

Value: 12.44%

Peer Median: 2.93%

#117 of 1070 Top 10.8% in 100M-500M tier

233

Efficiency Ratio

profitability

Value: 68.57%

Peer Median: 78.68%

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1056

Indirect Auto Concentration (%)

balance_sheet

Value: 69.98%

Peer Median: 6.61%

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1026

Net Charge-Off Rate

risk

Value: 1.46%

Peer Median: 0.35%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

909

AMR Growth Rate

growth

Value: -1.19%

Peer Median: 3.46%

#909 of 1070 Bottom 15.1% in 100M-500M tier

879

Net Worth Ratio

risk

Value: 9.30%

Peer Median: 11.45%

#879 of 1070 Bottom 17.9% in 100M-500M tier