BlastPoint's Credit Union Scorecard
SLO
Charter #61779 ยท CA
2596 CUs in <100M nationally
92 in CA
SLO has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 4.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.5% in tier
- + Net Charge-Off Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.21% below tier average
- - Efficiency ratio 33.35% above tier (higher cost structure)
- - Delinquency rate 2.45% above tier average
- - Member decline: -9.9% YoY
- - Member Growth Rate: Bottom 6.0% in tier
- - Indirect Auto Concentration (%): Bottom 6.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
- - Asset Growth Rate: Bottom 8.8% in tier
- - Deposit Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,463
-9.9% YoY-4.8% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$30.1M
-7.3% YoY-3.2% QoQ
|
+$279K |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$16.6M
-7.8% YoY-9.4% QoQ
|
+$867K |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$25.5M
-8.8% YoY-4.0% QoQ
|
+$88K |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
60% |
| ROA |
-0.5%
-26.6% YoY-11.3% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.5% in tier |
| NIM |
3.0%
-2.0% YoY+2.1% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
114.7%
+6.6% YoY-1.4% QoQ
|
+33.4% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 5.2% in tier |
| Delinquency Rate |
4.0%
+1.6% YoY+6.1% QoQ
|
+2.4 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 8.4% in tier |
| Loan To Share |
65.1%
+1.1% YoY-5.6% QoQ
|
+3.9% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$28,829
+1.7% YoY-1.4% QoQ
|
+$14K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 4.8% in tier |
| CD Concentration |
27.5%
-7.5% YoY-1.9% QoQ
|
+3.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.8%
-13.7% YoY+4.4% QoQ
|
+4.8% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
124
Average Member Relationship (AMR)
engagement
Value:
$28,829
Peer Avg: $14,627
#124 of 2596
Top 4.7% in <100M tier
143
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,370
Peer Avg: $5,488
#143 of 2596
Top 5.5% in <100M tier
192
Net Charge-Off Rate
risk
Value:
-0.02%
Peer Avg: 0.57%
#192 of 2596
Top 7.4% in <100M tier
Top Weaknesses (11 metrics)
2461
Efficiency Ratio
profitability
Value:
114.75%
Peer Avg: 81.39%
#2461 of 2596
Bottom 5.2% in <100M tier
2442
Member Growth Rate
growth
Value:
-9.91%
Peer Avg: 14.92%
#2442 of 2596
Bottom 6.0% in <100M tier
2438
Indirect Auto Concentration (%)
balance_sheet
Value:
18.80%
Peer Avg: 2.84%
#2438 of 2596
Bottom 6.1% in <100M tier
2379
Total Delinquency Rate (60+ days)
risk
Value:
3.96%
Peer Avg: 1.51%
#2379 of 2596
Bottom 8.4% in <100M tier
2375
Return on Assets (ROA)
profitability
Value:
-0.53%
Peer Avg: 0.68%
#2375 of 2596
Bottom 8.6% in <100M tier
2368
Asset Growth Rate
growth
Value:
-7.30%
Peer Avg: 1.82%
#2368 of 2596
Bottom 8.8% in <100M tier
2368
Deposit Growth Rate
growth
Value:
-8.75%
Peer Avg: 16.80%
#2368 of 2596
Bottom 8.8% in <100M tier
2152
Members Per Employee (MPE)
engagement
Value:
209.000
Peer Avg: 365.701
#2152 of 2596
Bottom 17.1% in <100M tier
2134
Net Interest Margin (NIM)
profitability
Value:
3.00%
Peer Avg: 3.93%
#2134 of 2596
Bottom 17.8% in <100M tier
2071
Share Certificate Concentration (%)
balance_sheet
Value:
27.48%
Peer Avg: 15.37%
#2071 of 2596
Bottom 20.3% in <100M tier