BlastPoint's Credit Union Scorecard

NORTH BAY

Charter #63373 · CA

1077 CUs in 100M-500M nationally 63 in CA

NORTH BAY has 6 strengths but faces 18 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 1.05% 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 1.4% in tier
+ Net Charge-Off Rate: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.1% in tier
- Wealth Migration Risk: Bottom 3.6% in tier
- Shrinking Wallet Share: Bottom 4.4% in tier
- Efficiency Drag: Bottom 4.5% in tier
- Liquidity Strain: Bottom 11.6% in tier
- Deposit Outflow: Bottom 35.0% in tier
- ROA 2.76% below tier average
- Efficiency ratio 28.91% above tier (higher cost structure)
- Delinquency rate 3.24% above tier average
- Members Per Employee (MPE): Bottom 0.1% in tier
- Net Worth Ratio: Bottom 0.2% in tier
- Total Members: Bottom 0.4% in tier
- Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- Deposit Growth Rate: Bottom 1.1% in tier
- First Mortgage Concentration (%): Bottom 2.7% in tier
- AMR Growth Rate: Bottom 3.2% in tier
- Asset Growth Rate: Bottom 6.9% in tier
- Total Deposits: Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	2,947 +0.4% YoY+3.4% QoQ	-12.7K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 0.3% in tier
Assets	$115.0M -3.0% YoY-2.8% QoQ	$-116.3M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	Bottom 10.8% in tier
Loans	$104.3M -1.9% YoY-1.6% QoQ	$-43.5M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	37%
Deposits	$98.3M -9.9% YoY-10.8% QoQ	$-102.0M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	Bottom 9.2% 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	-2.0% +107.0% YoY+435.5% QoQ	-2.8%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 0.2% in tier
NIM	4.6% +36.7% YoY+0.5% QoQ	+1.1%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Top 6.8% in tier
Efficiency Ratio	106.2% -7.2% YoY+2.3% QoQ	+28.9%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Top 1.2% in tier
Delinquency Rate	4.1% +164.9% YoY+226.6% QoQ	+3.2	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Top 0.6% in tier
Loan To Share	106.2% +8.9% YoY+10.3% QoQ	+33.5%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Top 1.5% in tier
AMR	$68,759 -6.3% YoY-9.4% QoQ	+$44K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 0.8% in tier
CD Concentration	29.1% -23.9% YoY+3.1% QoQ	+4.7%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.2% -44.9% YoY-19.3% QoQ	-13.8%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#4 of 736 • Bottom 0.1% in tier

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

Why This Signature

Delinquency Change (YoY): 2.55% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Wealth Migration Risk

decline

#5 of 28 • Bottom 3.6% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $68.8K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -6.33%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#45 of 244 • Bottom 4.4% in tier

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

Why This Signature

AMR Growth (YoY): -6.33%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Efficiency Drag

risk

#80 of 521 • Bottom 4.5% in tier

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

Why This Signature

Efficiency Ratio: 106.19%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -1.02% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.41%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk

#91 of 258 • Bottom 11.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 106.15%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -1.87%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Deposit Outflow

decline

#29 of 81 • Bottom 35.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -9.91%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.41%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $1,641

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $35,405

Peer Avg: -

#7 of 1077 Top 0.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $68,759

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 106.15%

Peer Avg: -

#16 of 1077 Top 1.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.64%

Peer Avg: -

#73 of 1077 Top 6.7% in 100M-500M tier

Top Weaknesses (12 metrics)

1077

Members Per Employee (MPE)

engagement

Value: 58.940

Peer Avg: -

#1077 of 1077 Bottom 0.1% in 100M-500M tier

1076

Net Worth Ratio

risk

Value: 5.09%

Peer Avg: -

#1076 of 1077 Bottom 0.2% in 100M-500M tier

1075

Return on Assets (ROA)

profitability

Value: -1.97%

Peer Avg: -

#1075 of 1077 Bottom 0.3% in 100M-500M tier

1074

Total Members

engagement

Value: 2,947

Peer Avg: -

#1074 of 1077 Bottom 0.4% in 100M-500M tier

1072

Total Delinquency Rate (60+ days)

risk

Value: 4.10%

Peer Avg: -

#1072 of 1077 Bottom 0.6% in 100M-500M tier

1066

Deposit Growth Rate

growth

Value: -9.91%

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

1065

Efficiency Ratio

profitability

Value: 106.19%

Peer Avg: -

#1065 of 1077 Bottom 1.2% in 100M-500M tier

1049

First Mortgage Concentration (%)

balance_sheet

Value: 68.26%

Peer Avg: -

#1049 of 1077 Bottom 2.7% in 100M-500M tier

1043

AMR Growth Rate

growth

Value: -6.33%

Peer Avg: -

#1043 of 1077 Bottom 3.2% in 100M-500M tier

1004

Asset Growth Rate

growth

Value: -3.04%

Peer Avg: -

#1004 of 1077 Bottom 6.9% in 100M-500M tier