BlastPoint's Credit Union Scorecard
SLO
Charter #61779 · CA
SLO has 2 strengths but faces 6 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 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Efficiency ratio 28.83% above tier (higher cost structure)
- - Member decline: -16.0% YoY
- - Member Growth Rate: Bottom 2.8% in tier
- - Loan Growth Rate: Bottom 4.1% in tier
- - Indirect Auto Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,291
-16.0% YoY-1.8% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$29.1M
-6.5% YoY-2.2% QoQ
|
$-1.2M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$13.8M
-24.8% YoY-8.4% QoQ
|
$-1.7M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$25.3M
-4.8% YoY-2.3% QoQ
|
$-487K |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
0.5%
-184.2% YoY-173.8% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
3.1%
+4.9% YoY+0.8% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
117.6%
+1.1% YoY-5.5% QoQ
|
+28.8% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
0.2%
-94.5% YoY-72.5% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
54.5%
-21.0% YoY-6.2% QoQ
|
-4.4% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$30,294
+3.6% YoY-2.8% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 4.0% in tier |
| CD Concentration |
30.7%
+9.6% YoY+5.0% QoQ
|
+6.2% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
17.5%
-2.9% YoY+0.2% QoQ
|
+3.9% | 13.6% | 9.2% | 7.7% | 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)