BlastPoint's Credit Union Scorecard

SANTA CRUZ COMMUNITY

Charter #64029 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

SANTA CRUZ COMMUNITY has 2 strengths but faces 8 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 1.02% above tier average
+ Loan-to-Share Ratio: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	14,639 -1.4% YoY+0.4% QoQ	-506	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	57%
Assets	$174.3M -7.3% YoY-1.0% QoQ	$-57.4M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	41%
Loans	$139.4M -2.2% YoY-1.4% QoQ	$-4.7M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	59%
Deposits	$150.3M -7.7% YoY+2.0% QoQ	$-50.9M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	41%

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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% +44.9% YoY+9.4% QoQ	-1.5%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 1.7% in tier
NIM	4.7% +11.7% YoY+2.3% QoQ	+1.0%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Top 7.2% in tier
Efficiency Ratio	104.6% -4.8% YoY-2.1% QoQ	+26.6%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 2.1% in tier
Delinquency Rate	0.4% -12.0% YoY-9.2% QoQ	-0.4	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	30%
Loan To Share	92.8% +5.9% YoY-3.3% QoQ	+22.4%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 6.7% in tier
AMR	$19,787 -3.8% YoY-0.1% QoQ	$-5K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	31%
CD Concentration	20.6% -15.4% YoY-1.4% QoQ	-3.7%	24.3%	21.6%	19.8%	50%
Indirect Auto %	12.6% -12.1% YoY+1.7% QoQ	-1.2%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Efficiency Drag

risk

#32 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 104.59%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Capital Constraint

risk

#5 of 16 • Bottom 50.0% 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: 92.77%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -7.66%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 10.67%

(Tier: 11.91%, National: 14.35%)

worse than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

Shrinking Wallet Share

decline

#83 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -3.78%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#20 of 53 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -3.78%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Stagnation Risk

risk

#388 of 570 • Bottom 50.0% 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): -1.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.21%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.40%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#442 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#153 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.77%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -2.21%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Institutional Decline

decline

#223 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $174.35M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.21%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 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 1070 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 92.77%

Peer Median: 71.88%

#72 of 1070 Top 6.6% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.65%

Peer Median: 3.62%

#77 of 1070 Top 7.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1058

Deposit Growth Rate

growth

Value: -7.66%

Peer Median: 3.30%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1054

Asset Growth Rate

growth

Value: -7.32%

Peer Median: 3.91%

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1052

Return on Assets (ROA)

profitability

Value: -0.74%

Peer Median: 0.69%

#1052 of 1070 Bottom 1.8% in 100M-500M tier

1048

Efficiency Ratio

profitability

Value: 104.59%

Peer Median: 78.68%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

998

AMR Growth Rate

growth

Value: -3.78%

Peer Median: 3.46%

#998 of 1070 Bottom 6.8% in 100M-500M tier

882

First Mortgage Concentration (%)

balance_sheet

Value: 47.37%

Peer Median: 29.47%

#882 of 1070 Bottom 17.7% in 100M-500M tier

846

Loan Growth Rate

growth

Value: -2.21%

Peer Median: 2.93%

#846 of 1070 Bottom 21.0% in 100M-500M tier