BlastPoint's Credit Union Scorecard
SANTA CRUZ COMMUNITY
Charter #64029 · CA
SANTA CRUZ COMMUNITY has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 1.02% above tier average
- + Loan-to-Share Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Efficiency ratio 29.32% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 2.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits -4.4% year over year ($149M in shares and deposits).
- Membership: 14,777 members, +1.5% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.99%.
- Efficiency ratio 106.06% vs a 76.73% peer average.
- Loan-to-share ratio 93.48% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,777
+1.5% YoY+0.9% QoQ
|
-391 |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$172.1M
-5.0% YoY-1.3% QoQ
|
$-59.9M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$139.0M
-1.0% YoY-0.3% QoQ
|
$-7.3M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$148.7M
-4.4% YoY-1.1% QoQ
|
$-52.0M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
1.0%
-287.1% YoY-234.3% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
4.7%
+10.2% YoY+1.0% QoQ
|
+1.0% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 7.6% in tier |
| Efficiency Ratio |
106.1%
-1.4% YoY+1.4% QoQ
|
+29.3% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate |
0.5%
+33.5% YoY+30.4% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
93.5%
+3.6% YoY+0.8% QoQ
|
+21.9% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 8.4% in tier |
| AMR |
$19,468
-4.3% YoY-1.6% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
21.3%
-2.0% YoY+3.5% QoQ
|
-3.2% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
13.0%
-6.4% YoY+3.3% QoQ
|
-0.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)