BlastPoint's Credit Union Scorecard

UNCLE

Charter #64482 · CA

Community 500M-750M

167 CUs in 500M-750M nationally 10 in CA

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UNCLE has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 28.9% in tier
+ Wallet Share Momentum: Top 28.9% in tier
+ Net Interest Margin 0.63% above tier average
+ Total Loans: Top 0.6% in tier
+ Total Assets: Top 4.2% in tier
+ Total Deposits: Top 4.2% in tier
+ Loan-to-Share Ratio: Top 7.8% in tier
+ Loan-to-Member Ratio (LMR): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.7% in tier
- Institutional Decline: Bottom 9.3% in tier
- Efficiency Drag: Bottom 23.1% in tier
- Indirect Auto Dependency: Bottom 91.8% in tier
- Membership Headwinds: Bottom 94.4% in tier
- Stagnation Risk: Bottom 94.4% in tier
- ROA 0.56% below tier average
- Efficiency ratio 8.05% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	36,338 -7.0% YoY-1.8% QoQ	-1.7K	38,079 -4.8% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	47%
Assets	$738.0M -2.1% YoY-2.5% QoQ	+$118.4M	$619.7M -0.2% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 4.8% in tier
Loans	$628.5M -1.4% YoY-2.6% QoQ	+$209.2M	$419.3M -1.4% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Top 1.2% in tier
Deposits	$663.7M -1.5% YoY-0.5% QoQ	+$124.2M	$539.5M -0.1% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 4.8% in tier

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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% -137.1% YoY-35.5% QoQ	-0.6%	0.7% +36.0% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 11.4% in tier
NIM	4.1% +11.0% YoY+7.1% QoQ	+0.6%	3.5% +4.5% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Top 12.0% in tier
Efficiency Ratio	86.4% +2.3% YoY+15.1% QoQ	+8.0%	78.4% -3.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	0.7% -1.8% YoY-40.1% QoQ	+0.0	0.7% -0.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	56%
Loan To Share	94.7% +0.1% YoY-2.1% QoQ	+17.0%	77.7% -1.2% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 8.4% in tier
AMR	$35,560 +5.9% YoY+0.2% QoQ	+$9K	$26,927 +3.1% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 12.0% in tier
CD Concentration	26.9% +7.7% YoY-3.5% QoQ	+2.6%	24.3%	21.6%	19.8%	61%
Indirect Auto %	27.3% -20.8% YoY-8.0% QoQ	+13.5%	13.8%	9.0%	7.7%	81%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#108 of 257 • Top 28.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.93%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.5K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#386 of 491 • Top 28.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.93%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#76 of 570 • Bottom 94.4% in tier

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

Why This Signature

Member Growth (YoY): -6.99%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

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

Stagnation Risk

risk

#98 of 570 • Bottom 94.4% 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): -6.99%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.44%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.67%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

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

Institutional Decline

decline

#53 of 250 • Bottom 9.3% in tier

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

Why This Signature

Total Assets: $738.04M

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

but better than tier avg

Member Growth (YoY): -6.99%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.44%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Liquidity Strain

risk

#123 of 183 • Bottom 5.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.70%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -1.44%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#363 of 504 • Bottom 91.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -2.09%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 27.27%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -6.99%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#524 of 596 • Bottom 23.1% in tier

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

Why This Signature

Efficiency Ratio: 86.43%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.47% points

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

but better than tier avg

Member Growth (YoY): -6.99%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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 167 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $628.49M

Peer Median: $427.27M

#2 of 167 Top 0.6% in 500M-750M tier

Total Assets

balance_sheet

Value: $738.04M

Peer Median: $619.16M

#8 of 167 Top 4.2% in 500M-750M tier

Total Deposits

balance_sheet

Value: $663.68M

Peer Median: $543.36M

#8 of 167 Top 4.2% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.70%

Peer Median: 79.97%

#14 of 167 Top 7.8% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,296

Peer Median: $11,231

#14 of 167 Top 7.8% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.10%

Peer Median: 3.48%

#20 of 167 Top 11.4% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $35,560

Peer Median: $25,600

#20 of 167 Top 11.4% in 500M-750M tier

Top Weaknesses (10 metrics)

163

Member Growth Rate

growth

Value: -6.99%

Peer Median: 1.03%

#163 of 167 Bottom 3.0% in 500M-750M tier

157

Net Worth Ratio

risk

Value: 7.92%

Peer Median: 10.35%

#157 of 167 Bottom 6.6% in 500M-750M tier

155

Asset Growth Rate

growth

Value: -2.09%

Peer Median: 4.66%

#155 of 167 Bottom 7.8% in 500M-750M tier

154

Deposit Growth Rate

growth

Value: -1.52%

Peer Median: 4.02%

#154 of 167 Bottom 8.4% in 500M-750M tier

150

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.39%

#150 of 167 Bottom 10.8% in 500M-750M tier

148

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Median: 0.61%

#148 of 167 Bottom 12.0% in 500M-750M tier

146

Fee Income Per Member

profitability

Value: $116.57

Peer Median: $178.80

#146 of 167 Bottom 13.2% in 500M-750M tier

137

Loan Growth Rate

growth

Value: -1.44%

Peer Median: 4.25%

#137 of 167 Bottom 18.6% in 500M-750M tier

133

Indirect Auto Concentration (%)

balance_sheet

Value: 27.27%

Peer Median: 10.91%

#133 of 167 Bottom 21.0% in 500M-750M tier

132

Efficiency Ratio

profitability

Value: 86.43%

Peer Median: 78.61%

#132 of 167 Bottom 21.6% in 500M-750M tier