BlastPoint's Credit Union Scorecard
E-CENTRAL
Charter #62323 · CA
E-CENTRAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 0.54% above tier average
- + Net Worth Ratio: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 3.71% above tier (higher cost structure)
- - Member decline: -5.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,963
-5.3% YoY-1.5% QoQ
|
-6.5K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$174.5M
+3.1% YoY-0.6% QoQ
|
$-57.3M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$114.5M
-11.6% YoY-3.2% QoQ
|
$-32.9M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$132.3M
+3.2% YoY-0.8% QoQ
|
$-68.5M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.9%
-17.7% YoY-11.4% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
4.1%
-7.6% YoY+0.8% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
80.7%
+3.1% YoY+2.1% QoQ
|
+3.7% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.6%
-75.3% YoY-4.2% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
86.5%
-14.4% YoY-2.3% QoQ
|
+14.3% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$27,531
+1.1% YoY-0.4% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
27.5%
+17.6% YoY+7.1% QoQ
|
+3.1% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)