BlastPoint's Credit Union Scorecard
SACRAMENTO
Charter #62641 · CA
SACRAMENTO has 11 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 4.5% in tier
- + Credit Quality Leader: Top 5.6% in tier
- + Profitability Leader: Top 54.6% in tier
- + Relationship Depth Leader: Top 86.3% in tier
- + ROA 0.68% above tier average
- + Strong member growth: 6.0% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.1% in tier
- + Member Growth Rate: Top 8.9% in tier
- + Efficiency Ratio: Top 9.8% in tier
- + Deposit Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 31.1% in tier
- - Total Members: Bottom 8.9% in tier
- - Total Loans: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,109
+6.0% YoY+2.4% QoQ
|
-22.0K |
52,114
-2.1% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.0% in tier |
| Assets |
$817.2M
-2.2% YoY+2.6% QoQ
|
$-41.8M |
$859.0M
+0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$439.9M
+5.5% YoY+1.1% QoQ
|
$-163.5M |
$603.4M
+1.0% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.9% in tier |
| Deposits |
$689.7M
+10.1% YoY+2.7% QoQ
|
$-44.5M |
$734.2M
+0.9% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
1.4%
+16.2% YoY+3.3% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 12.5% in tier |
| NIM |
2.7%
+18.0% YoY+0.7% QoQ
|
-0.6% |
3.4%
+9.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
59.4%
-5.3% YoY-2.4% QoQ
|
-15.1% |
74.5%
-3.2% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
0.0%
-35.3% YoY+19.3% QoQ
|
-0.8 |
0.8%
+5.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
63.8%
-4.2% YoY-1.6% QoQ
|
-18.9% |
82.7%
+0.1% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.3% in tier |
| AMR |
$37,514
+2.1% YoY-0.3% QoQ
|
+$9K |
$28,651
+2.5% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 13.4% in tier |
| CD Concentration |
28.8%
+20.2% YoY+6.6% QoQ
|
+4.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
67% |
| Indirect Auto % |
27.9%
+4.4% YoY+1.9% QoQ
|
+14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
80% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)