BlastPoint's Credit Union Scorecard

SANTA CRUZ COMMUNITY

Charter #64029 · CA

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

SANTA CRUZ COMMUNITY has 2 strengths but faces 12 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

+ Credit Quality Leader: Top 73.8% in tier
+ Net Interest Margin 0.87% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 9.0% in tier
- Accelerating Exit Risk: Bottom 11.5% in tier
- Shrinking Wallet Share: Bottom 14.7% in tier
- Capital Constraint: Bottom 16.1% in tier
- Membership Headwinds: Bottom 23.0% in tier
- Institutional Decline: Bottom 26.2% in tier
- Liquidity Strain: Bottom 31.9% in tier
- Stagnation Risk: Bottom 32.6% in tier
- ROA 1.46% below tier average
- Efficiency ratio 29.12% above tier (higher cost structure)
- Asset Growth Rate: Bottom 4.0% in tier
- Deposit Growth Rate: Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	14,439 -1.5% YoY-0.8% QoQ	-1.2K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	55%
Assets	$179.2M -4.7% YoY-1.1% QoQ	$-52.1M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	43%
Loans	$142.3M -3.1% YoY+1.3% QoQ	$-5.5M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	57%
Deposits	$154.7M -4.1% YoY-0.6% QoQ	$-45.6M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	43%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.7% -237.0% YoY+26.4% QoQ	-1.5%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 1.6% in tier
NIM	4.5% +7.6% YoY+4.5% QoQ	+0.9%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Top 10.5% in tier
Efficiency Ratio	106.4% +20.6% YoY-1.1% QoQ	+29.1%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Top 1.1% in tier
Delinquency Rate	0.3% -49.2% YoY-18.8% QoQ	-0.5	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	19%
Loan To Share	92.0% +1.0% YoY+1.9% QoQ	+19.3%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Top 12.1% in tier
AMR	$20,566 -2.1% YoY+1.1% QoQ	$-4K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	39%
CD Concentration	20.4% -4.6% YoY-6.5% QoQ	-4.0%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	12.8% -20.1% YoY-8.1% QoQ	-1.2%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#251 of 340 • Top 73.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.31%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.30% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (8)

Efficiency Drag

risk

#160 of 521 • Bottom 9.0% in tier

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

Why This Signature

Efficiency Ratio: 106.40%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -1.16% points

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

worse than tier avg

Member Growth (YoY): -1.55%

(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 worsening

Accelerating Exit Risk

decline

#31 of 58 • Bottom 11.5% in tier

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

Why This Signature

Member Growth (YoY): -1.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -2.12%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#147 of 244 • Bottom 14.7% in tier

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

Why This Signature

AMR Growth (YoY): -2.12%

(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

Capital Constraint

risk

#15 of 18 • Bottom 16.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 91.96%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -4.10%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 10.87%

(Tier: 11.95%, National: 14.51%)

worse than tier avg

18 of 1077 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Membership Headwinds

decline

#380 of 550 • Bottom 23.0% in tier

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

Why This Signature

Member Growth (YoY): -1.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline

#207 of 256 • Bottom 26.2% in tier

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

Why This Signature

Total Assets: $179.23M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.13%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Liquidity Strain

risk

#248 of 258 • Bottom 31.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.96%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -3.13%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY

Stagnation Risk

risk

#538 of 550 • Bottom 32.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.13%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (3 metrics)

113

Net Interest Margin (NIM)

profitability

Value: 4.46%

Peer Avg: -

#113 of 1077 Top 10.4% in 100M-500M tier

130

Loan-to-Share Ratio

balance_sheet

Value: 91.96%

Peer Avg: -

#130 of 1077 Top 12.0% in 100M-500M tier

209

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1066

Efficiency Ratio

profitability

Value: 106.40%

Peer Avg: -

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

1060

Return on Assets (ROA)

profitability

Value: -0.67%

Peer Avg: -

#1060 of 1077 Bottom 1.7% in 100M-500M tier

1035

Asset Growth Rate

growth

Value: -4.72%

Peer Avg: -

#1035 of 1077 Bottom 4.0% in 100M-500M tier

1032

Deposit Growth Rate

growth

Value: -4.10%

Peer Avg: -

#1032 of 1077 Bottom 4.3% in 100M-500M tier

960

AMR Growth Rate

growth

Value: -2.12%

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier

909

First Mortgage Concentration (%)

balance_sheet

Value: 48.00%

Peer Avg: -

#909 of 1077 Bottom 15.7% in 100M-500M tier

868

Loan Growth Rate

growth

Value: -3.13%

Peer Avg: -

#868 of 1077 Bottom 19.5% in 100M-500M tier