BlastPoint's Credit Union Scorecard

ORGANIZED LABOR

Charter #61942 · CA

<100M

2556 CUs in <100M nationally 91 in CA

ORGANIZED LABOR has 3 strengths but faces 3 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

+ ROA 0.50% above tier average
+ Net Interest Margin 0.10% above tier average
+ AMR Growth Rate: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Member decline: -8.3% YoY
- Indirect Auto Concentration (%): Bottom 6.7% in tier
- Member Growth Rate: Bottom 7.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,097 -8.3% YoY-2.4% QoQ	+481	2,615 -1.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	68%
Assets	$40.0M +5.5% YoY+1.7% QoQ	+$9.8M	$30.1M +2.1% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	69%
Loans	$14.8M +2.1% YoY-1.5% QoQ	$-941K	$15.8M -1.3% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	61%
Deposits	$35.9M +4.6% YoY+2.0% QoQ	+$10.3M	$25.7M +1.4% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	71%

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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% +49.5% YoY+71.0% QoQ	+0.5%	0.6% +10.8% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	71%
NIM	4.1% +10.0% YoY-1.1% QoQ	+0.1%	4.0% +4.0% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	57%
Efficiency Ratio	75.9% -4.3% YoY-8.6% QoQ	-6.7%	82.6% -2.3% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	40%
Delinquency Rate	1.2% +48.0% YoY+54.5% QoQ	-0.4	1.6% -3.1% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	65%
Loan To Share	41.2% -2.4% YoY-3.4% QoQ	-19.4%	60.6% -3.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	21%
AMR	$16,391 +13.2% YoY+3.4% QoQ	+$2K	$14,783 -1.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	64%
CD Concentration	7.0% +55.2% YoY+96.0% QoQ	-17.5%	24.4%	21.7%	19.8%	50%
Indirect Auto %	16.2% -24.1% YoY-2.2% QoQ	+2.4%	13.8%	9.2%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (4 metrics)

150

AMR Growth Rate

growth

Value: 13.24%

Peer Median: -

#150 of 2556 Top 5.8% in <100M tier

335

Members Per Employee (MPE)

engagement

Value: 516.167

Peer Median: -

#335 of 2556 Top 13.1% in <100M tier

352

Fee Income Per Member

profitability

Value: $152.81

Peer Median: -

#352 of 2556 Top 13.7% in <100M tier

631

Asset Growth Rate

growth

Value: 5.51%

Peer Median: -

#631 of 2556 Top 24.6% in <100M tier

Top Weaknesses (4 metrics)

2386

Indirect Auto Concentration (%)

balance_sheet

Value: 16.22%

Peer Median: -

#2386 of 2556 Bottom 6.7% in <100M tier

2365

Member Growth Rate

growth

Value: -8.29%

Peer Median: -

#2365 of 2556 Bottom 7.5% in <100M tier

2190

Net Worth Ratio

risk

Value: 9.71%

Peer Median: -

#2190 of 2556 Bottom 14.4% in <100M tier

2012

Loan-to-Share Ratio

balance_sheet

Value: 41.23%

Peer Median: -

#2012 of 2556 Bottom 21.3% in <100M tier