BlastPoint's Credit Union Scorecard

UNIVERSITY

Charter #64171 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

UNIVERSITY has 5 strengths but faces 8 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 23.7% in tier
+ Organic Growth Engine: Top 23.7% in tier
+ Share Certificate Concentration (%): Top 2.0% in tier
+ Members Per Employee (MPE): Top 6.2% in tier
+ Loan-to-Share Ratio: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.9% in tier
- Efficiency Drag: Bottom 22.2% in tier
- Credit Quality Pressure: Bottom 46.3% in tier
- Credit Risk Growth: Bottom 46.6% in tier
- ROA 0.60% below tier average
- Efficiency ratio 6.65% above tier (higher cost structure)
- Delinquency rate 0.54% above tier average
- Net Worth Ratio: Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	60,510 +4.9% YoY+1.6% QoQ	-35.5K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 14.4% in tier
Assets	$1.2B +4.2% YoY+1.3% QoQ	$-532.3M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	20%
Loans	$1.0B +6.4% YoY+1.9% QoQ	$-196.6M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	40%
Deposits	$1.0B +4.4% YoY+2.9% QoQ	$-455.1M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	20%

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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	0.1% +138.8% QoQ	-0.6%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 7.2% in tier
NIM	3.4% +12.1% YoY+6.1% QoQ	+0.0%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	81.3% -13.5% YoY-2.0% QoQ	+6.7%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	1.3% +3.7% YoY-21.3% QoQ	+0.5	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Bottom 12.1% in tier
Loan To Share	100.7% +1.9% YoY-0.9% QoQ	+17.5%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 7.5% in tier
AMR	$33,508 +0.5% YoY+0.8% QoQ	+$4K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	76%
CD Concentration	9.1% -16.7% YoY+1.9% QoQ	-19.7%	28.8%	21.6%	19.8%	Bottom 2.1% in tier
Indirect Auto %	5.3% +802.3% YoY+69.2% QoQ	-12.8%	18.1%	9.0%	7.7%	25%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#39 of 116 • Top 23.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.90%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 5.30%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#94 of 115 • Top 23.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.90%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.12%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 5.30%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#36 of 148 • Bottom 8.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 100.66%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.41%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Efficiency Drag

risk

#78 of 100 • Bottom 22.2% in tier

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

Why This Signature

Efficiency Ratio: 81.29%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 4.90%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#176 of 225 • Bottom 46.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk

#147 of 183 • Bottom 46.6% in tier

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

Why This Signature

Loan Growth (YoY): 6.41%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 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 306 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 9.12%

Peer Median: 27.93%

#7 of 306 Top 2.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 500.083

Peer Median: 345.077

#20 of 306 Top 6.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 100.66%

Peer Median: 85.31%

#23 of 306 Top 7.2% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,809

Peer Median: $12,733

#43 of 306 Top 13.7% in 1B-3B tier

Member Growth Rate

growth

Value: 4.90%

Peer Median: 2.03%

#66 of 306 Top 21.2% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $33,508

Peer Median: $28,178

#72 of 306 Top 23.2% in 1B-3B tier

Top Weaknesses (10 metrics)

284

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 0.66%

#284 of 306 Bottom 7.5% in 1B-3B tier

284

Net Worth Ratio

risk

Value: 8.67%

Peer Median: 10.85%

#284 of 306 Bottom 7.5% in 1B-3B tier

276

Fee Income Per Member

profitability

Value: $118.61

Peer Median: $191.54

#276 of 306 Bottom 10.1% in 1B-3B tier

270

Total Delinquency Rate (60+ days)

risk

Value: 1.29%

Peer Median: 0.63%

#270 of 306 Bottom 12.1% in 1B-3B tier

262

Total Members

engagement

Value: 60,510

Peer Median: 85,918

#262 of 306 Bottom 14.7% in 1B-3B tier

246

Total Assets

balance_sheet

Value: $1.19B

Peer Median: $1.51B

#246 of 306 Bottom 19.9% in 1B-3B tier

245

Total Deposits

balance_sheet

Value: $1.01B

Peer Median: $1.31B

#245 of 306 Bottom 20.3% in 1B-3B tier

243

First Mortgage Concentration (%)

balance_sheet

Value: 44.21%

Peer Median: 33.05%

#243 of 306 Bottom 20.9% in 1B-3B tier

236

Efficiency Ratio

profitability

Value: 81.29%

Peer Median: 75.16%

#236 of 306 Bottom 23.2% in 1B-3B tier

234

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.51%

#234 of 306 Bottom 23.9% in 1B-3B tier