BlastPoint's Credit Union Scorecard
KEYPOINT
Charter #65299 · CA
KEYPOINT has 4 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 78.0% in tier
- + Organic Growth Engine: Top 91.9% in tier
- + Loan-to-Member Ratio (LMR): Top 2.0% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 24.7% in tier
- - Liquidity Strain: Bottom 69.7% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 7.87% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,664
+1.8% YoY-0.2% QoQ
|
-42.8K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 10.3% in tier |
| Assets |
$1.7B
+4.7% YoY+1.7% QoQ
|
$-45.3M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$1.3B
+3.8% YoY+2.8% QoQ
|
+$69.8M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$1.4B
+1.7% YoY+0.8% QoQ
|
$-83.1M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.3%
+3.0% YoY-19.7% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.9% in tier |
| NIM |
2.7%
+8.1% YoY+0.1% QoQ
|
-0.6% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
81.9%
-5.2% YoY+0.6% QoQ
|
+7.9% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.3%
-5.5% YoY+30.7% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
94.8%
+2.1% YoY+2.0% QoQ
|
+10.0% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$49,034
+0.9% YoY+2.0% QoQ
|
+$20K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 3.3% in tier |
| CD Concentration |
29.5%
+2.5% YoY+0.7% QoQ
|
+0.5% | 29.0% | 21.7% | 19.8% | 54% |
| Indirect Auto % |
5.4%
+4.6% YoY+2.0% QoQ
|
-12.9% | 18.3% | 9.2% | 7.8% | 25% |
Signature Analysis
Strengths (2)
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.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)