BlastPoint's Credit Union Scorecard
SLO
Charter #61779 · CA
SLO has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 3.5% in tier
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
- + Net Charge-Off Rate: Top 9.2% in tier
- + AMR Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.83% below tier average
- - Efficiency ratio 33.85% above tier (higher cost structure)
- - Member decline: -16.6% YoY
- - Member Growth Rate: Bottom 2.6% in tier
- - Indirect Auto Concentration (%): Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,315
-16.6% YoY-2.9% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$29.7M
-6.0% YoY+0.9% QoQ
|
$-451K |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$15.1M
-14.1% YoY-2.9% QoQ
|
$-225K |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$25.9M
-4.7% YoY+1.2% QoQ
|
+$135K |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
-0.7%
+124.8% YoY-76.9% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.0% in tier |
| NIM |
3.1%
+3.2% YoY+0.4% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
124.5%
+10.2% YoY+3.3% QoQ
|
+33.9% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.0% in tier |
| Delinquency Rate |
0.7%
-81.7% YoY+90.4% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
58.1%
-9.9% YoY-4.1% QoQ
|
-0.4% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$31,159
+9.9% YoY+2.6% QoQ
|
+$16K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 3.6% in tier |
| CD Concentration |
29.2%
+1.5% YoY-1.7% QoQ
|
+5.0% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
17.5%
-14.4% YoY-7.3% QoQ
|
+3.7% | 13.8% | 9.0% | 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)