BlastPoint's Credit Union Scorecard

SACRAMENTO

Charter #62641 · CA

Community 750M-1B

117 CUs in 750M-1B nationally 14 in CA

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SACRAMENTO has 6 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 10.8% in tier
+ Relationship Depth Leader: Top 88.0% in tier
+ ROA 0.67% above tier average
+ Strong member growth: 6.1% YoY
+ Total Delinquency Rate (60+ days): Top 0.9% in tier
+ Efficiency Ratio: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 36.6% in tier
- Total Loans: Bottom 9.4% in tier
- Total Members: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	30,610 +6.1% YoY+1.7% QoQ	-21.5K	52,084 -1.6% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 8.5% in tier
Assets	$837.8M +10.2% YoY+2.5% QoQ	$-26.1M	$863.9M +0.5% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	42%
Loans	$444.3M +5.7% YoY+1.0% QoQ	$-161.6M	$605.8M +1.4% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	Bottom 8.5% in tier
Deposits	$707.1M +10.2% YoY+2.5% QoQ	$-30.2M	$737.3M +0.1% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	36%

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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	1.4% +19.3% YoY+1.6% QoQ	+0.7%	0.7% +39.1% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Top 10.3% in tier
NIM	2.7% +11.3% YoY-0.8% QoQ	-0.7%	3.4% +8.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 14.5% in tier
Efficiency Ratio	59.4% -7.0% YoY-0.1% QoQ	-15.0%	74.3% -3.6% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Bottom 6.8% in tier
Delinquency Rate	0.1% -63.5% YoY+23.7% QoQ	-0.8	0.9% +3.8% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Bottom 0.9% in tier
Loan To Share	62.8% -4.1% YoY-1.5% QoQ	-19.7%	82.6% +1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 12.8% in tier
AMR	$37,614 +2.1% YoY+0.3% QoQ	+$9K	$28,873 +2.7% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 12.8% in tier
CD Concentration	28.6% +13.3% YoY-0.8% QoQ	+4.2%	24.4%	21.7%	19.8%	65%
Indirect Auto %	27.8% +4.1% YoY-0.5% QoQ	+14.0%	13.8%	9.2%	7.8%	81%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#65 of 595 • Top 10.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.14%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.42%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 27.79%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#236 of 268 • Top 88.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.14%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $6.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#186 of 506 • Bottom 36.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.22%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 27.79%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 6.14%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

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 117 peers in tier

Top Strengths (9 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: -

#2 of 117 Top 0.9% in 750M-1B tier

Efficiency Ratio

profitability

Value: 59.37%

Peer Median: -

#9 of 117 Top 6.8% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.42%

Peer Median: -

#12 of 117 Top 9.4% in 750M-1B tier

Member Growth Rate

growth

Value: 6.14%

Peer Median: -

#13 of 117 Top 10.3% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: -

#13 of 117 Top 10.3% in 750M-1B tier

Net Worth Ratio

risk

Value: 15.10%

Peer Median: -

#13 of 117 Top 10.3% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $37,614

Peer Median: -

#15 of 117 Top 12.0% in 750M-1B tier

Deposit Growth Rate

growth

Value: 10.22%

Peer Median: -

#20 of 117 Top 16.2% in 750M-1B tier

Asset Growth Rate

growth

Value: 10.22%

Peer Median: -

#23 of 117 Top 18.8% in 750M-1B tier

Top Weaknesses (5 metrics)

107

Total Loans

balance_sheet

Value: $444.26M

Peer Median: -

#107 of 117 Bottom 9.4% in 750M-1B tier

107

Total Members

engagement

Value: 30,610

Peer Median: -

#107 of 117 Bottom 9.4% in 750M-1B tier

102

Loan-to-Share Ratio

balance_sheet

Value: 62.83%

Peer Median: -

#102 of 117 Bottom 13.7% in 750M-1B tier

100

Net Interest Margin (NIM)

profitability

Value: 2.72%

Peer Median: -

#100 of 117 Bottom 15.4% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 27.79%

Peer Median: -

#91 of 117 Bottom 23.1% in 750M-1B tier