BlastPoint's Credit Union Scorecard
SLO
Charter #61779 · CA
SLO has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 4.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 3.58% below tier average
- - Efficiency ratio 37.98% above tier (higher cost structure)
- - Member decline: -13.5% YoY
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Member Growth Rate: Bottom 3.2% in tier
- - Asset Growth Rate: Bottom 3.7% in tier
- - Deposit Growth Rate: Bottom 5.8% in tier
- - Indirect Auto Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,354
-13.5% YoY-7.5% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$29.5M
-11.0% YoY-2.2% QoQ
|
$-665K |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$15.5M
-12.9% YoY-6.7% QoQ
|
$-250K |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$25.6M
-11.1% YoY+0.3% QoQ
|
$-80K |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
-3.0%
+248.8% YoY+457.0% QoQ
|
-3.6% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.0% in tier |
| NIM |
3.0%
+0.8% YoY+1.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
120.5%
+6.8% YoY+5.0% QoQ
|
+38.0% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
0.4%
-89.9% YoY-90.2% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
60.6%
-2.0% YoY-7.0% QoQ
|
-0.0% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$30,369
+2.0% YoY+5.3% QoQ
|
+$16K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 4.1% in tier |
| CD Concentration |
29.7%
+2.6% YoY+8.2% QoQ
|
+5.3% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
18.8%
-11.5% YoY+0.2% QoQ
|
+5.0% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)