BlastPoint's Credit Union Scorecard

UNIVERSITY

Charter #64171 · CA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

UNIVERSITY has 6 strengths but faces 11 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 27.7% in tier
+ Organic Growth Engine: Top 63.0% in tier
+ Strong member growth: 5.7% YoY
+ Share Certificate Concentration (%): Top 1.7% in tier
+ Members Per Employee (MPE): Top 6.3% in tier
+ Loan-to-Share Ratio: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 24.3% in tier
- Liquidity Strain: Bottom 30.3% in tier
- Credit Risk Growth: Bottom 36.8% in tier
- Shrinking Wallet Share: Bottom 64.1% in tier
- Efficiency Drag: Bottom 88.8% in tier
- Wealth Migration Risk: Bottom 100.0% in tier
- ROA 0.63% below tier average
- Efficiency ratio 8.85% above tier (higher cost structure)
- Delinquency rate 0.75% above tier average
- Net Worth Ratio: Bottom 8.6% in tier
- Total Delinquency Rate (60+ days): Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	59,567 +5.7% YoY+1.1% QoQ	-37.9K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 13.6% in tier
Assets	$1.2B +3.2% YoY+2.3% QoQ	$-551.3M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	19%
Loans	$997.7M +5.1% YoY+1.0% QoQ	$-236.7M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	36%
Deposits	$981.7M +1.7% YoY+1.2% QoQ	$-477.6M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	16%

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	0.1% -90.1% YoY-364.2% QoQ	-0.6%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 5.0% in tier
NIM	3.2% +5.6% YoY+1.3% QoQ	-0.1%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	39%
Efficiency Ratio	82.9% +6.4% YoY-1.6% QoQ	+8.8%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 12.6% in tier
Delinquency Rate	1.6% +20.5% YoY+3.8% QoQ	+0.7	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 9.6% in tier
Loan To Share	101.6% +3.4% YoY-0.2% QoQ	+16.8%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Top 9.9% in tier
AMR	$33,230 -2.1% YoY+0.0% QoQ	+$4K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	77%
CD Concentration	8.9% -34.7% YoY-10.9% QoQ	-20.1%	29.0%	21.7%	19.8%	Bottom 1.9% in tier
Indirect Auto %	3.1% +745.2% YoY+112.8% QoQ	-15.2%	18.3%	9.2%	7.8%	22%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#40 of 142 • Top 27.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.67%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Indirect Auto %: 3.13%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth

#156 of 247 • Top 63.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.67%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.05%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 3.13%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#52 of 211 • Bottom 24.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY

Liquidity Strain

risk

#51 of 166 • Bottom 30.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 101.63%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 5.15%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Credit Risk Growth

risk

#61 of 164 • Bottom 36.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.15%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Shrinking Wallet Share

decline

#51 of 79 • Bottom 64.1% in tier

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

Why This Signature

AMR Growth (YoY): -2.14%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

Efficiency Drag

risk

#80 of 90 • Bottom 88.8% in tier

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

Why This Signature

Efficiency Ratio: 82.91%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.46% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 5.67%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | New qualifier

Wealth Migration Risk

decline

#13 of 13 • Bottom 100.0% in tier

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

Why This Signature

Avg Member Relationship: $33.2K

(Tier: $29.5K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -2.14%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

13 of 378 Mid-Market CUs have this signature | 34 nationally

→ No prior data (13 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 302 peers in tier

Top Strengths (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 8.95%

Peer Median: -

#6 of 302 Top 1.7% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 484.285

Peer Median: -

#20 of 302 Top 6.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 101.63%

Peer Median: -

#30 of 302 Top 9.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,749

Peer Median: -

#44 of 302 Top 14.2% in 1B-3B tier

Member Growth Rate

growth

Value: 5.67%

Peer Median: -

#45 of 302 Top 14.6% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $33,230

Peer Median: -

#69 of 302 Top 22.5% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.13%

Peer Median: -

#73 of 302 Top 23.8% in 1B-3B tier

Top Weaknesses (11 metrics)

287

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: -

#287 of 302 Bottom 5.3% in 1B-3B tier

277

Net Worth Ratio

risk

Value: 8.75%

Peer Median: -

#277 of 302 Bottom 8.6% in 1B-3B tier

274

Total Delinquency Rate (60+ days)

risk

Value: 1.64%

Peer Median: -

#274 of 302 Bottom 9.6% in 1B-3B tier

265

Efficiency Ratio

profitability

Value: 82.91%

Peer Median: -

#265 of 302 Bottom 12.6% in 1B-3B tier

261

Total Members

engagement

Value: 59,567

Peer Median: -

#261 of 302 Bottom 13.9% in 1B-3B tier

260

AMR Growth Rate

growth

Value: -2.14%

Peer Median: -

#260 of 302 Bottom 14.2% in 1B-3B tier

256

Fee Income Per Member

profitability

Value: $144.87

Peer Median: -

#256 of 302 Bottom 15.6% in 1B-3B tier

254

Total Deposits

balance_sheet

Value: $981.72M

Peer Median: -

#254 of 302 Bottom 16.2% in 1B-3B tier

248

First Mortgage Concentration (%)

balance_sheet

Value: 45.71%

Peer Median: -

#248 of 302 Bottom 18.2% in 1B-3B tier

245

Total Assets

balance_sheet

Value: $1.17B

Peer Median: -

#245 of 302 Bottom 19.2% in 1B-3B tier