BlastPoint's Credit Union Scorecard

NORTH BAY

Charter #63373 · CA

1069 CUs in 100M-500M nationally 63 in CA

NORTH BAY has 5 strengths but faces 23 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

+ Net Interest Margin 1.03% above tier average
+ Fee Income Per Member: Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 0.6% in tier
+ Average Member Relationship (AMR): Top 0.7% in tier
+ Loan-to-Share Ratio: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.7% in tier
- Stagnation Risk: Bottom 2.7% in tier
- Accelerating Exit Risk: Bottom 3.6% in tier
- Shrinking Wallet Share: Bottom 17.4% in tier
- Membership Headwinds: Bottom 26.8% in tier
- Efficiency Drag: Bottom 29.4% in tier
- Institutional Decline: Bottom 37.7% in tier
- Liquidity Strain: Bottom 40.1% in tier
- ROA 2.69% below tier average
- Efficiency ratio 32.74% above tier (higher cost structure)
- Delinquency rate 2.44% above tier average
- Member decline: -4.6% YoY
- Net Worth Ratio: Bottom 0.1% in tier
- Members Per Employee (MPE): Bottom 0.2% in tier
- Deposit Growth Rate: Bottom 0.4% in tier
- Total Members: Bottom 0.4% in tier
- Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- First Mortgage Concentration (%): Bottom 2.2% in tier
- AMR Growth Rate: Bottom 2.9% in tier
- Total Deposits: Bottom 4.8% in tier
- Loan Growth Rate: Bottom 5.5% in tier
- Asset Growth Rate: Bottom 7.3% in tier
- Total Assets: Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	2,830 -4.6% YoY-4.0% QoQ	-12.6K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 0.3% in tier
Assets	$114.4M -2.4% YoY-0.6% QoQ	$-117.5M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Bottom 9.6% in tier
Loans	$98.4M -7.8% YoY-5.7% QoQ	$-48.9M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	34%
Deposits	$92.2M -13.7% YoY-6.2% QoQ	$-108.6M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Bottom 4.7% in tier

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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	-1.9% +15.5% YoY-2.0% QoQ	-2.7%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 0.3% in tier
NIM	4.6% +21.3% YoY-0.0% QoQ	+1.0%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Top 7.3% in tier
Efficiency Ratio	109.8% -10.2% YoY+3.4% QoQ	+32.7%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 0.9% in tier
Delinquency Rate	3.3% +182.5% YoY-18.7% QoQ	+2.4	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 1.9% in tier
Loan To Share	106.7% +6.9% YoY+0.5% QoQ	+34.4%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Top 1.1% in tier
AMR	$67,364 -6.4% YoY-2.0% QoQ	+$43K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 0.8% in tier
CD Concentration	28.0% -21.5% YoY-3.7% QoQ	+3.6%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.2% -38.9% YoY-2.5% QoQ	-13.6%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#6 of 705 • Bottom 0.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 2.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#16 of 554 • Bottom 2.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -7.76%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 3.34%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Accelerating Exit Risk

decline

#3 of 56 • Bottom 3.6% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -4.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -6.40%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Shrinking Wallet Share

decline

#37 of 208 • Bottom 17.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.40%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Membership Headwinds

decline

#149 of 554 • Bottom 26.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#159 of 538 • Bottom 29.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 109.76%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Institutional Decline

decline

#91 of 240 • Bottom 37.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $114.38M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -4.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -7.76%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Strain

risk

#92 of 228 • Bottom 40.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 106.67%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -7.76%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $1,599

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $34,769

Peer Median: -

#7 of 1069 Top 0.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $67,364

Peer Median: -

#9 of 1069 Top 0.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 106.67%

Peer Median: -

#12 of 1069 Top 1.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.64%

Peer Median: -

#78 of 1069 Top 7.2% in 100M-500M tier

258

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: -

#258 of 1069 Top 24.0% in 100M-500M tier

Top Weaknesses (14 metrics)

1069

Net Worth Ratio

risk

Value: 4.69%

Peer Median: -

#1069 of 1069 Bottom 0.1% in 100M-500M tier

1068

Members Per Employee (MPE)

engagement

Value: 54.423

Peer Median: -

#1068 of 1069 Bottom 0.2% in 100M-500M tier

1066

Return on Assets (ROA)

profitability

Value: -1.93%

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1066

Deposit Growth Rate

growth

Value: -13.67%

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1066

Total Members

engagement

Value: 2,830

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1060

Efficiency Ratio

profitability

Value: 109.76%

Peer Median: -

#1060 of 1069 Bottom 0.9% in 100M-500M tier

1050

Total Delinquency Rate (60+ days)

risk

Value: 3.34%

Peer Median: -

#1050 of 1069 Bottom 1.9% in 100M-500M tier

1047

First Mortgage Concentration (%)

balance_sheet

Value: 69.39%

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

1039

AMR Growth Rate

growth

Value: -6.40%

Peer Median: -

#1039 of 1069 Bottom 2.9% in 100M-500M tier

1019

Total Deposits

balance_sheet

Value: $92.24M

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier