BlastPoint's Credit Union Scorecard

CALIFORNIA LITHUANIAN

Charter #64834 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

CALIFORNIA LITHUANIAN has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Average Member Relationship (AMR): Top 0.1% in tier
+ Loan-to-Member Ratio (LMR): Top 0.1% in tier
+ Deposit Growth Rate: Top 0.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- ROA 0.27% below tier average
- Delinquency rate 0.57% above tier average
- Total Members: Bottom 0.3% in tier
- Net Interest Margin (NIM): Bottom 0.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits +23.7% year over year ($143M in shares and deposits).
Membership: 1,932 members, +2.6% vs a year ago.
Delinquency rate 1.45%.
Return on assets 0.59%.
Efficiency ratio 67.09% vs a 76.73% peer average.
Loan-to-share ratio 90.82% vs a 71.54% 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	1,932 +2.6% YoY+1.2% QoQ	-13.2K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 0.2% in tier
Assets	$175.1M +19.5% YoY+10.9% QoQ	$-56.9M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	41%
Loans	$129.9M +26.9% YoY+2.8% QoQ	$-16.4M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	52%
Deposits	$143.0M +23.7% YoY+13.3% QoQ	$-57.7M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	37%

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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	0.6% +15.9% YoY-9.0% QoQ	-0.3%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	36%
NIM	1.8% +3.9% YoY-3.4% QoQ	-1.9%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 0.6% in tier
Efficiency Ratio	67.1% -4.4% YoY+2.8% QoQ	-9.6%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	20%
Delinquency Rate	1.5% +30.1% YoY+98.2% QoQ	+0.6	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Bottom 14.9% in tier
Loan To Share	90.8% +2.5% YoY-9.3% QoQ	+19.3%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Top 13.3% in tier
AMR	$141,234 +22.0% YoY+6.8% QoQ	+$116K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 0.2% in tier
CD Concentration	44.5% -12.9% YoY-5.2% QoQ	+20.0%	24.6%	22.2%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#8 of 262 • Top 50.0% 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): 22.03%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $1.5K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#20 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 22.03%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Organic Growth Engine

growth

#161 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.60%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.59%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#169 of 342 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 2.60%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Emerging Performer

growth

#156 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.59%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 2.60%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#20 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 26.87%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.34% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#220 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.34% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Strain

risk

#133 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.82%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 26.87%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Liquidity Overhang

risk

#118 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.40%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 90.82%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $141,234

Peer Median: $23,006

#2 of 1024 Top 0.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $67,220

Peer Median: $9,434

#2 of 1024 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 23.72%

Peer Median: 3.58%

#10 of 1024 Top 0.9% in 100M-500M tier

Loan Growth Rate

growth

Value: 26.87%

Peer Median: 3.02%

#14 of 1024 Top 1.3% in 100M-500M tier

AMR Growth Rate

growth

Value: 22.03%

Peer Median: 3.53%

#17 of 1024 Top 1.6% in 100M-500M tier

Asset Growth Rate

growth

Value: 19.51%

Peer Median: 4.12%

#19 of 1024 Top 1.8% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.34%

#26 of 1024 Top 2.4% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.40%

Peer Median: 11.71%

#75 of 1024 Top 7.2% in 100M-500M tier

136

Loan-to-Share Ratio

balance_sheet

Value: 90.82%

Peer Median: 73.07%

#136 of 1024 Top 13.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1022

Total Members

engagement

Value: 1,932

Peer Median: 13,128

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1018

Net Interest Margin (NIM)

profitability

Value: 1.76%

Peer Median: 3.67%

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1008

Members Per Employee (MPE)

engagement

Value: 175.636

Peer Median: 310.924

#1008 of 1024 Bottom 1.7% in 100M-500M tier

1005

Fee Income Per Member

profitability

Value: $38.82

Peer Median: $159.88

#1005 of 1024 Bottom 2.0% in 100M-500M tier

985

Share Certificate Concentration (%)

balance_sheet

Value: 44.55%

Peer Median: 23.39%

#985 of 1024 Bottom 3.9% in 100M-500M tier

872

Total Delinquency Rate (60+ days)

risk

Value: 1.45%

Peer Median: 0.71%

#872 of 1024 Bottom 14.9% in 100M-500M tier

785

First Mortgage Concentration (%)

balance_sheet

Value: 42.48%

Peer Median: 29.92%

#785 of 1024 Bottom 23.4% in 100M-500M tier