BlastPoint's Credit Union Scorecard
UNCLE
Charter #64482 · CA
UNCLE 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
- + Relationship Depth Leader: Top 59.2% in tier
- + Net Interest Margin 0.60% above tier average
- + Total Loans: Top 1.8% in tier
- + Total Deposits: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.1% in tier
- - Institutional Decline: Bottom 10.6% in tier
- - Stagnation Risk: Bottom 95.7% in tier
- - Membership Headwinds: Bottom 95.7% in tier
- - Indirect Auto Dependency: Bottom 98.6% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 1.62% above tier (higher cost structure)
- - Member decline: -8.5% YoY
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in California.
- Shares and deposits -4.6% year over year ($645M in shares and deposits).
- Membership: 36,258 members, -8.5% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.29%.
- Efficiency ratio 78.18% vs a 76.56% peer average.
- Loan-to-share ratio 94.78% vs a 79.33% 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 |
36,258
-8.5% YoY-0.2% QoQ
|
-1.6K |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$716.1M
-7.5% YoY-3.0% QoQ
|
+$93.7M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$611.2M
-7.7% YoY-2.7% QoQ
|
+$182.7M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 2.4% in tier |
| Deposits |
$644.9M
-4.6% YoY-2.8% QoQ
|
+$105.1M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 7.9% in tier |
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| ROA |
0.3%
-233.8% YoY+125.0% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.5% in tier |
| NIM |
4.1%
+10.1% YoY+0.8% QoQ
|
+0.6% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 11.5% in tier |
| Efficiency Ratio |
78.2%
+1.4% YoY-9.6% QoQ
|
+1.6% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
0.6%
-31.4% YoY-10.1% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
94.8%
-3.3% YoY+0.1% QoQ
|
+15.5% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 13.3% in tier |
| AMR |
$34,642
+2.6% YoY-2.6% QoQ
|
+$7K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
85% |
| CD Concentration |
27.4%
+5.0% YoY+2.1% QoQ
|
+2.9% | 24.6% | 22.2% | 20.0% | 62% |
| Indirect Auto % |
25.4%
-22.1% YoY-6.8% QoQ
|
+11.8% | 13.6% | 9.2% | 7.7% | 78% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)