BlastPoint's Credit Union Scorecard

UNCLE

Charter #64482 · CA

Community 750M-1B

117 CUs in 750M-1B nationally 14 in CA

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UNCLE has 2 strengths but faces 13 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 79.4% in tier
+ Net Interest Margin 0.44% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 34.7% in tier
- Membership Headwinds: Bottom 38.7% in tier
- Liquidity Strain: Bottom 52.4% in tier
- Credit Quality Pressure: Bottom 53.1% in tier
- Indirect Auto Dependency: Bottom 56.6% in tier
- Credit Risk Growth: Bottom 84.0% in tier
- ROA 0.55% below tier average
- Efficiency ratio 0.76% above tier (higher cost structure)
- Delinquency rate 0.23% above tier average
- Member decline: -3.6% YoY
- Deposit Growth Rate: Bottom 6.0% in tier
- Total Assets: Bottom 6.0% in tier
- Net Worth Ratio: Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	37,000 -3.6% YoY-7.7% QoQ	-15.1K	52,084 -1.6% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	20%
Assets	$756.9M +1.2% YoY-1.8% QoQ	$-107.0M	$863.9M +0.5% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Bottom 5.1% in tier
Loans	$645.3M +1.1% YoY-2.6% QoQ	+$39.4M	$605.8M +1.4% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	59%
Deposits	$667.2M -2.8% YoY-0.4% QoQ	$-70.1M	$737.3M +0.1% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	16%

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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	0.2% -37.0% YoY+27.4% QoQ	-0.5%	0.7% +39.1% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 14.5% in tier
NIM	3.8% +14.1% YoY+1.6% QoQ	+0.4%	3.4% +8.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	75%
Efficiency Ratio	75.1% -1.0% YoY+1.1% QoQ	+0.8%	74.3% -3.6% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	44%
Delinquency Rate	1.1% +21.0% YoY+10.9% QoQ	+0.2	0.9% +3.8% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	71%
Loan To Share	96.7% +4.0% YoY-2.1% QoQ	+14.1%	82.6% +1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	85%
AMR	$35,471 +2.7% YoY+6.7% QoQ	+$7K	$28,873 +2.7% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	80%
CD Concentration	27.8% +16.2% YoY-0.8% QoQ	+3.4%	24.4%	21.7%	19.8%	63%
Indirect Auto %	29.6% -15.1% YoY-4.4% QoQ	+15.8%	13.8%	9.2%	7.8%	83%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#213 of 268 • Top 79.4% 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): 2.74%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.3K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk

#193 of 554 • Bottom 34.7% 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): -3.58%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.06%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.11%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#215 of 554 • Bottom 38.7% in tier

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

Why This Signature

Member Growth (YoY): -3.58%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk

#120 of 228 • Bottom 52.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.71%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 1.06%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#375 of 705 • Bottom 53.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#287 of 506 • Bottom 56.6% in tier

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

Why This Signature

Asset Growth (YoY): 1.25%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 29.62%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -3.58%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Credit Risk Growth

risk

#383 of 456 • Bottom 84.0% in tier

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

Why This Signature

Loan Growth (YoY): 1.06%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 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 117 peers in tier

Top Strengths (4 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $17,439

Peer Median: -

#15 of 117 Top 12.0% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.71%

Peer Median: -

#18 of 117 Top 14.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $35,471

Peer Median: -

#23 of 117 Top 18.8% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 3.83%

Peer Median: -

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (10 metrics)

111

Deposit Growth Rate

growth

Value: -2.79%

Peer Median: -

#111 of 117 Bottom 6.0% in 750M-1B tier

111

Total Assets

balance_sheet

Value: $756.93M

Peer Median: -

#111 of 117 Bottom 6.0% in 750M-1B tier

108

Net Worth Ratio

risk

Value: 7.73%

Peer Median: -

#108 of 117 Bottom 8.5% in 750M-1B tier

100

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: -

#100 of 117 Bottom 15.4% in 750M-1B tier

Member Growth Rate

growth

Value: -3.58%

Peer Median: -

#99 of 117 Bottom 16.2% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.91%

Peer Median: -

#98 of 117 Bottom 17.1% in 750M-1B tier

Total Deposits

balance_sheet

Value: $667.18M

Peer Median: -

#98 of 117 Bottom 17.1% in 750M-1B tier

Asset Growth Rate

growth

Value: 1.25%

Peer Median: -

#97 of 117 Bottom 17.9% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 29.62%

Peer Median: -

#95 of 117 Bottom 19.7% in 750M-1B tier

Total Members

engagement

Value: 37,000

Peer Median: -

#93 of 117 Bottom 21.4% in 750M-1B tier