BlastPoint's Credit Union Scorecard
SACRAMENTO
Charter #62641 · CA
SACRAMENTO has 6 strengths but faces 4 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
- + Relationship Depth Leader: Top 70.8% in tier
- + ROA 0.72% above tier average
- + Strong member growth: 6.6% YoY
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Net Worth Ratio: Top 8.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.1% in tier
- - Credit Risk Growth: Bottom 26.8% in tier
- - Credit Quality Pressure: Bottom 48.6% in tier
- - Total Members: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,124
+6.6% YoY+1.7% QoQ
|
-20.4K |
51,500
+0.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 8.5% in tier |
| Assets |
$851.9M
+8.1% YoY+1.7% QoQ
|
$-13.7M |
$865.6M
+0.9% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$453.9M
+7.6% YoY+2.2% QoQ
|
$-141.4M |
$595.3M
+1.6% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.4% in tier |
| Deposits |
$719.0M
+7.9% YoY+1.7% QoQ
|
$-23.2M |
$742.2M
+0.6% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
1.5%
+16.1% YoY+4.7% QoQ
|
+0.7% |
0.8%
+45.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 10.3% in tier |
| NIM |
2.9%
+6.1% YoY+6.3% QoQ
|
-0.6% |
3.5%
+6.1% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
59.8%
-1.4% YoY+0.7% QoQ
|
-15.8% |
75.5%
-3.4% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.1%
+35.9% YoY+72.9% QoQ
|
-0.6 |
0.7%
-0.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 2.6% in tier |
| Loan To Share |
63.1%
-0.3% YoY+0.5% QoQ
|
-17.5% |
80.6%
+0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.8% in tier |
| AMR |
$37,684
+1.1% YoY+0.2% QoQ
|
+$9K |
$28,908
+0.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 12.0% in tier |
| CD Concentration |
28.7%
+10.0% YoY+0.5% QoQ
|
+4.4% | 24.3% | 21.6% | 19.8% | 67% |
| Indirect Auto % |
27.5%
+0.4% YoY-1.0% QoQ
|
+13.7% | 13.8% | 9.0% | 7.7% | 81% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)