BlastPoint's Credit Union Scorecard
CALIFORNIA LITHUANIAN
Charter #64834 · CA
CALIFORNIA LITHUANIAN has 13 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 9.4% in tier
- + Wallet Share Momentum: Top 18.8% in tier
- + Organic Growth Leader: Top 58.6% in tier
- + Organic Growth Engine: Top 61.5% in tier
- + Emerging Performer: Top 90.1% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Loan-to-Share Ratio: Top 1.6% in tier
- + Loan Growth Rate: Top 1.8% in tier
- + Net Charge-Off Rate: Top 1.9% in tier
- + Net Worth Ratio: Top 3.3% in tier
- + AMR Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.3% in tier
- - Liquidity Overhang: Bottom 73.1% in tier
- - ROA 0.14% below tier average
- - Total Members: Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Share Certificate Concentration (%): Bottom 1.6% in tier
- - Fee Income Per Member: Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,911
+2.1% YoY+1.4% QoQ
|
-13.5K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$152.5M
+3.6% YoY+3.0% QoQ
|
$-79.4M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$123.8M
+26.1% YoY+8.2% QoQ
|
$-23.6M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$121.1M
+3.9% YoY+3.5% QoQ
|
$-79.7M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
26% |
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 |
0.6%
+2.7% YoY+12.9% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
1.7%
+17.1% YoY+2.2% QoQ
|
-1.9% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio |
64.7%
-6.1% YoY-5.3% QoQ
|
-12.3% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
0.8%
-36.5% YoY-80.2% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
102.2%
+21.3% YoY+4.5% QoQ
|
+30.0% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$128,134
+11.7% YoY+4.4% QoQ
|
+$103K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 0.3% in tier |
| CD Concentration |
49.5%
-8.6% YoY-3.3% QoQ
|
+25.0% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)