BlastPoint's Credit Union Scorecard

SANTA CRUZ COMMUNITY

Charter #64029 · CA

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

SANTA CRUZ COMMUNITY has 2 strengths but faces 13 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 0.95% above tier average
+ Loan-to-Share Ratio: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 9.1% in tier
- Efficiency Drag: Bottom 25.3% in tier
- Shrinking Wallet Share: Bottom 29.0% in tier
- Accelerating Exit Risk: Bottom 34.5% in tier
- Stagnation Risk: Bottom 65.5% in tier
- Liquidity Strain: Bottom 70.5% in tier
- Membership Headwinds: Bottom 76.3% in tier
- Institutional Decline: Bottom 81.2% in tier
- ROA 1.44% below tier average
- Efficiency ratio 29.76% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 0.9% in tier
- Asset Growth Rate: Bottom 2.2% in tier
- AMR Growth Rate: Bottom 4.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	14,581 -1.4% YoY+1.0% QoQ	-856	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	56%
Assets	$176.0M -5.4% YoY-1.8% QoQ	$-55.8M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	42%
Loans	$141.4M -3.4% YoY-0.6% QoQ	$-5.9M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	57%
Deposits	$147.4M -8.0% YoY-4.7% QoQ	$-53.4M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	40%

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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	-0.7% -238.8% YoY+0.7% QoQ	-1.4%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 2.1% in tier
NIM	4.6% +8.5% YoY+2.1% QoQ	+0.9%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Top 8.2% in tier
Efficiency Ratio	106.8% +22.8% YoY+0.4% QoQ	+29.8%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 1.2% in tier
Delinquency Rate	0.4% -8.4% YoY+38.9% QoQ	-0.5	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	26%
Loan To Share	95.9% +5.1% YoY+4.3% QoQ	+23.7%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Top 6.1% in tier
AMR	$19,805 -4.4% YoY-3.7% QoQ	$-5K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	33%
CD Concentration	20.9% -13.3% YoY+2.8% QoQ	-3.5%	24.4%	21.7%	19.8%	50%
Indirect Auto %	12.4% -18.2% YoY-3.0% QoQ	-1.4%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Capital Constraint

risk

#3 of 23 • Bottom 9.1% 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: 95.95%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -8.03%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 10.81%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Efficiency Drag

risk

#137 of 538 • Bottom 25.3% in tier

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

Why This Signature

Efficiency Ratio: 106.78%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -1.16% points

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

worse than tier avg

Member Growth (YoY): -1.43%

(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 worsening

Shrinking Wallet Share

decline

#61 of 208 • Bottom 29.0% in tier

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

Why This Signature

AMR Growth (YoY): -4.43%

(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

Accelerating Exit Risk

decline

#20 of 56 • Bottom 34.5% in tier

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

Why This Signature

Member Growth (YoY): -1.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -4.43%

(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

Stagnation Risk

risk

#363 of 554 • Bottom 65.5% 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): -1.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.36%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

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

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

Liquidity Strain

risk

#161 of 228 • Bottom 70.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.95%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -3.36%

(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 improving

Membership Headwinds

decline

#423 of 554 • Bottom 76.3% in tier

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

Why This Signature

Member Growth (YoY): -1.43%

(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

Institutional Decline

decline

#195 of 240 • Bottom 81.2% in tier

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

Why This Signature

Total Assets: $176.02M

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

worse than tier avg

Member Growth (YoY): -1.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.36%

(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

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 (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 95.95%

Peer Median: -

#65 of 1069 Top 6.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.55%

Peer Median: -

#88 of 1069 Top 8.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1060

Deposit Growth Rate

growth

Value: -8.03%

Peer Median: -

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

1057

Efficiency Ratio

profitability

Value: 106.78%

Peer Median: -

#1057 of 1069 Bottom 1.2% in 100M-500M tier

1047

Return on Assets (ROA)

profitability

Value: -0.68%

Peer Median: -

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

1046

Asset Growth Rate

growth

Value: -5.38%

Peer Median: -

#1046 of 1069 Bottom 2.2% in 100M-500M tier

1019

AMR Growth Rate

growth

Value: -4.43%

Peer Median: -

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

896

First Mortgage Concentration (%)

balance_sheet

Value: 47.83%

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier

892

Loan Growth Rate

growth

Value: -3.36%

Peer Median: -

#892 of 1069 Bottom 16.7% in 100M-500M tier