BlastPoint's Credit Union Scorecard
DOW GREAT WESTERN
Charter #64503 · CA
DOW GREAT WESTERN has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 5.4% in tier
- + AMR Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 30.28% above tier (higher cost structure)
- - Member decline: -7.6% YoY
- - Net Worth Ratio: Bottom 4.0% in tier
- - Indirect Auto Concentration (%): Bottom 6.9% in tier
- - Net Interest Margin (NIM): Bottom 8.8% in tier
- - Member Growth Rate: Bottom 9.4% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits +2.4% year over year ($45.2M in shares and deposits).
- Membership: 1,858 members, -7.6% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 1.38%.
- Efficiency ratio 119.05% vs a 88.77% peer average.
- Loan-to-share ratio 47.47% vs a 58.89% 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 |
1,858
-7.6% YoY-3.3% QoQ
|
-727 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$48.2M
+0.9% YoY+0.0% QoQ
|
+$17.9M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$21.4M
+3.5% YoY-4.3% QoQ
|
+$6.0M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$45.2M
+2.4% YoY+0.0% QoQ
|
+$19.4M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
79% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
-766.6% YoY-260.4% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
2.6%
-21.6% YoY-1.1% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio |
119.0%
+32.8% YoY+25.5% QoQ
|
+30.3% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.6%
-40.4% YoY+5.2% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
47.5%
+1.1% YoY-4.3% QoQ
|
-11.4% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$35,848
+11.2% YoY+2.0% QoQ
|
+$21K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 1.9% in tier |
| CD Concentration |
34.5%
+9.2% YoY+3.4% QoQ
|
+9.9% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
13.6%
-39.9% YoY-9.3% QoQ
|
+0.0% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)