BlastPoint's Credit Union Scorecard

CALIFORNIA LITHUANIAN

Charter #64834 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

CALIFORNIA LITHUANIAN has 8 strengths but faces 6 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
+ Loan-to-Share Ratio: Top 1.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.07% below tier average
- Total Members: Bottom 0.3% in tier
- Net Interest Margin (NIM): Bottom 0.7% in tier
- Share Certificate Concentration (%): Bottom 2.8% in tier
- Fee Income Per Member: Bottom 3.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	1,910 +1.4% YoY-0.1% QoQ	-13.2K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 0.2% in tier
Assets	$157.9M +5.8% YoY+3.5% QoQ	$-73.8M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	34%
Loans	$126.4M +26.6% YoY+2.1% QoQ	$-17.8M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	52%
Deposits	$126.2M +8.4% YoY+4.2% QoQ	$-74.9M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	29%

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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	0.7% +141.5% YoY+5.1% QoQ	-0.1%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	47%
NIM	1.8% +27.7% YoY+4.5% QoQ	-1.8%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 0.7% in tier
Efficiency Ratio	65.2% -19.8% YoY+0.8% QoQ	-12.8%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.7% -22.1% YoY-2.5% QoQ	+0.0	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	60%
Loan To Share	100.1% +16.7% YoY-2.0% QoQ	+29.7%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 1.8% in tier
AMR	$132,238 +15.2% YoY+3.2% QoQ	+$107K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 0.2% in tier
CD Concentration	47.0% -10.5% YoY-5.0% QoQ	+22.7%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#14 of 257 • 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): 15.23%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $1.5K

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

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#45 of 491 • 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): 15.23%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Organic Growth Engine

growth

#243 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.38%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.65%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#277 of 371 • 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): 1.38%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#156 of 157 • 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: 0.65%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 1.38%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#7 of 183 • 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: 100.14%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 26.59%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | 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 1070 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $132,238

Peer Median: $22,931

#2 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $66,167

Peer Median: $9,356

#2 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.14%

Peer Median: 71.88%

#19 of 1070 Top 1.7% in 100M-500M tier

Loan Growth Rate

growth

Value: 26.59%

Peer Median: 2.93%

#20 of 1070 Top 1.8% in 100M-500M tier

AMR Growth Rate

growth

Value: 15.23%

Peer Median: 3.46%

#36 of 1070 Top 3.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.15%

Peer Median: 11.45%

#40 of 1070 Top 3.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.35%

#52 of 1070 Top 4.8% in 100M-500M tier

159

Deposit Growth Rate

growth

Value: 8.45%

Peer Median: 3.30%

#159 of 1070 Top 14.8% in 100M-500M tier

168

Efficiency Ratio

profitability

Value: 65.25%

Peer Median: 78.68%

#168 of 1070 Top 15.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1068

Total Members

engagement

Value: 1,910

Peer Median: 13,200

#1068 of 1070 Bottom 0.3% in 100M-500M tier

1063

Net Interest Margin (NIM)

profitability

Value: 1.82%

Peer Median: 3.62%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1041

Share Certificate Concentration (%)

balance_sheet

Value: 46.97%

Peer Median: 23.10%

#1041 of 1070 Bottom 2.8% in 100M-500M tier

1037

Fee Income Per Member

profitability

Value: $46.57

Peer Median: $154.95

#1037 of 1070 Bottom 3.2% in 100M-500M tier

826

First Mortgage Concentration (%)

balance_sheet

Value: 42.99%

Peer Median: 29.47%

#826 of 1070 Bottom 22.9% in 100M-500M tier