BlastPoint's Credit Union Scorecard
UNIVERSITY
Charter #64171 · CA
UNIVERSITY has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 26.1% in tier
- + Organic Growth Engine: Top 26.1% in tier
- + Share Certificate Concentration (%): Top 2.0% in tier
- + Members Per Employee (MPE): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.7% in tier
- - Liquidity Strain: Bottom 12.8% in tier
- - Wealth Migration Risk: Bottom 24.8% in tier
- - Shrinking Wallet Share: Bottom 90.3% in tier
- - ROA 0.79% below tier average
- - Efficiency ratio 12.61% above tier (higher cost structure)
- - Delinquency rate 0.59% above tier average
- - Fee Income Per Member: Bottom 6.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +1.4% year over year ($991M in shares and deposits).
- Membership: 60,212 members, +4.4% vs a year ago.
- Delinquency rate 1.45%.
- Return on assets 0.03%.
- Efficiency ratio 85.63% vs a 73.02% peer average.
- Loan-to-share ratio 100.76% vs a 84.71% 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 |
60,212
+4.4% YoY-0.5% QoQ
|
-36.6K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 14.3% in tier |
| Assets |
$1.2B
+1.7% YoY-1.5% QoQ
|
$-554.2M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$998.4M
+2.3% YoY-1.8% QoQ
|
$-235.9M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$990.9M
+1.4% YoY-1.9% QoQ
|
$-472.5M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.0%
-123.9% YoY-79.1% QoQ
|
-0.8% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.3% in tier |
| NIM |
3.4%
+10.1% YoY+0.7% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
85.6%
-3.0% YoY+5.3% QoQ
|
+12.6% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
1.5%
-4.5% YoY+12.3% QoQ
|
+0.6 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
100.8%
+0.9% YoY+0.1% QoQ
|
+16.0% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 11.3% in tier |
| AMR |
$33,037
-2.5% YoY-1.4% QoQ
|
+$3K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
9.9%
-4.5% YoY+8.4% QoQ
|
-19.2% | 29.1% | 22.2% | 20.0% | Bottom 2.1% in tier |
| Indirect Auto % |
5.0%
+447.6% YoY-5.4% QoQ
|
-13.1% | 18.1% | 9.2% | 7.7% | 24% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)