BlastPoint's Credit Union Scorecard

KEYPOINT

Charter #65299 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

KEYPOINT has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 49.5% in tier
+ Organic Growth Engine: Top 49.5% in tier
+ Loan-to-Member Ratio (LMR): Top 1.3% in tier
+ Average Member Relationship (AMR): Top 2.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.1% in tier
- Liquidity Strain: Bottom 30.0% in tier
- Credit Risk Growth: Bottom 60.8% in tier
- ROA 0.37% below tier average
- Efficiency ratio 0.87% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	55,225 +2.2% YoY+1.0% QoQ	-40.8K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 10.5% in tier
Assets	$1.7B +5.6% YoY+1.4% QoQ	$-18.6M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	59%
Loans	$1.3B +3.7% YoY-0.5% QoQ	+$84.1M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	65%
Deposits	$1.4B +1.3% YoY+2.0% QoQ	$-61.9M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	56%

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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	0.3% -40.7% YoY+36.9% QoQ	-0.4%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	19%
NIM	3.0% +12.0% YoY+9.3% QoQ	-0.4%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	75.5% +0.6% YoY-7.8% QoQ	+0.9%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.4% +54.2% YoY+14.6% QoQ	-0.4	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	25%
Loan To Share	92.5% +2.4% YoY-2.4% QoQ	+9.3%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	73%
AMR	$48,918 +0.3% YoY-0.2% QoQ	+$19K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 3.3% in tier
CD Concentration	29.3% +3.8% YoY-0.6% QoQ	+0.5%	28.8%	21.6%	19.8%	54%
Indirect Auto %	5.5% +5.8% YoY+0.6% QoQ	-12.6%	18.1%	9.0%	7.7%	26%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#86 of 116 • Top 49.5% in tier

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

Why This Signature

Member Growth (YoY): 2.21%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 5.45%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#109 of 115 • Top 49.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.21%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.35%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 5.45%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#103 of 225 • Bottom 27.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#117 of 183 • Bottom 60.8% in tier

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

Why This Signature

Loan Growth (YoY): 3.72%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Liquidity Strain

risk

#122 of 148 • Bottom 30.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.46%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.72%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (3 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $23,501

Peer Median: $12,733

#5 of 306 Top 1.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $48,918

Peer Median: $28,178

#10 of 306 Top 2.9% in 1B-3B tier

Fee Income Per Member

profitability

Value: $243.45

Peer Median: $191.54

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (6 metrics)

274

Total Members

engagement

Value: 55,225

Peer Median: 85,918

#274 of 306 Bottom 10.8% in 1B-3B tier

269

Net Worth Ratio

risk

Value: 9.00%

Peer Median: 10.85%

#269 of 306 Bottom 12.4% in 1B-3B tier

247

Return on Assets (ROA)

profitability

Value: 0.35%

Peer Median: 0.66%

#247 of 306 Bottom 19.6% in 1B-3B tier

245

First Mortgage Concentration (%)

balance_sheet

Value: 44.47%

Peer Median: 33.05%

#245 of 306 Bottom 20.3% in 1B-3B tier

244

Deposit Growth Rate

growth

Value: 1.33%

Peer Median: 4.44%

#244 of 306 Bottom 20.6% in 1B-3B tier

240

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.37%

#240 of 306 Bottom 21.9% in 1B-3B tier