BlastPoint's Credit Union Scorecard

CALIFORNIA LITHUANIAN

Charter #64834 · CA

1077 CUs in 100M-500M nationally 63 in CA

CALIFORNIA LITHUANIAN has 12 strengths but faces 12 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 22.3% in tier
+ Organic Growth Leader: Top 24.0% in tier
+ Organic Growth Engine: Top 25.9% in tier
+ Wallet Share Momentum: Top 47.9% in tier
+ Emerging Performer: Top 99.5% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 0.2% in tier
+ Loan-to-Member Ratio (LMR): Top 0.2% in tier
+ Net Charge-Off Rate: Top 1.0% in tier
+ Net Worth Ratio: Top 3.0% in tier
+ Loan Growth Rate: Top 3.2% in tier
+ Loan-to-Share Ratio: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.1% in tier
- Credit Quality Pressure: Bottom 0.6% in tier
- Liquidity Strain: Bottom 3.1% in tier
- Liquidity Overhang: Bottom 69.2% in tier
- ROA 0.24% below tier average
- Delinquency rate 2.94% above tier average
- Total Members: Bottom 0.3% in tier
- Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- Fee Income Per Member: Bottom 1.0% in tier
- Share Certificate Concentration (%): Bottom 1.0% in tier
- Net Interest Margin (NIM): Bottom 1.1% in tier
- Members Per Employee (MPE): Bottom 5.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	1,885 +1.4% YoY+0.1% QoQ	-13.7K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 0.2% in tier
Assets	$148.1M +0.3% YoY+1.1% QoQ	$-83.2M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	30%
Loans	$114.4M +21.0% YoY+11.7% QoQ	$-33.4M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	44%
Deposits	$117.0M -0.4% YoY+1.2% QoQ	$-83.3M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	23%

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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% +18.1% YoY+7.2% QoQ	-0.2%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	36%
NIM	1.7% +17.7% YoY+0.7% QoQ	-1.9%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 1.0% in tier
Efficiency Ratio	68.4% +0.1% YoY-2.6% QoQ	-8.9%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	22%
Delinquency Rate	3.8% +76.2% YoY+239.4% QoQ	+2.9	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Top 0.9% in tier
Loan To Share	97.8% +21.5% YoY+10.4% QoQ	+25.1%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Top 5.0% in tier
AMR	$122,728 +7.7% YoY+6.0% QoQ	+$98K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 0.3% in tier
CD Concentration	51.1% -1.3% YoY+0.0% QoQ	+26.7%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#58 of 257 • Top 22.3% 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): 7.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $1.3K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Organic Growth Leader

growth

#317 of 430 • Top 24.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#475 of 603 • Top 25.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.55%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth

#231 of 481 • Top 47.9% in tier

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

Why This Signature

AMR Growth (YoY): 7.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Emerging Performer

growth

#190 of 191 • Top 99.5% 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: 0.55%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#2 of 446 • Bottom 0.1% in tier

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

Why This Signature

Loan Growth (YoY): 21.01%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 1.64% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#15 of 736 • Bottom 0.6% in tier

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

Why This Signature

Delinquency Change (YoY): 1.64% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Liquidity Strain

risk

#25 of 258 • Bottom 3.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.76%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 21.01%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Liquidity Overhang

risk

#93 of 134 • Bottom 69.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 20.02%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 97.76%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $122,728

Peer Avg: -

#3 of 1077 Top 0.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $60,670

Peer Avg: -

#3 of 1077 Top 0.2% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Avg: -

#12 of 1077 Top 1.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 20.02%

Peer Avg: -

#33 of 1077 Top 3.0% in 100M-500M tier

Loan Growth Rate

growth

Value: 21.01%

Peer Avg: -

#35 of 1077 Top 3.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.76%

Peer Avg: -

#54 of 1077 Top 4.9% in 100M-500M tier

178

AMR Growth Rate

growth

Value: 7.66%

Peer Avg: -

#178 of 1077 Top 16.4% in 100M-500M tier

238

Efficiency Ratio

profitability

Value: 68.37%

Peer Avg: -

#238 of 1077 Top 22.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1075

Total Members

engagement

Value: 1,885

Peer Avg: -

#1075 of 1077 Bottom 0.3% in 100M-500M tier

1068

Total Delinquency Rate (60+ days)

risk

Value: 3.80%

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1067

Fee Income Per Member

profitability

Value: $24.96

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1067

Share Certificate Concentration (%)

balance_sheet

Value: 51.12%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1066

Net Interest Margin (NIM)

profitability

Value: 1.71%

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

1015

Members Per Employee (MPE)

engagement

Value: 209.444

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

902

Deposit Growth Rate

growth

Value: -0.37%

Peer Avg: -

#902 of 1077 Bottom 16.3% in 100M-500M tier

862

Asset Growth Rate

growth

Value: 0.27%

Peer Avg: -

#862 of 1077 Bottom 20.1% in 100M-500M tier

827

Total Deposits

balance_sheet

Value: $116.98M

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier