BlastPoint's Credit Union Scorecard

SAN JOAQUIN POWER EMPLOYEES

Charter #66788 · CA

100M-500M

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

SAN JOAQUIN POWER EMPLOYEES has 5 strengths but faces 7 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

+ Members Per Employee (MPE): Top 0.1% in tier
+ Total Delinquency Rate (60+ days): Top 2.5% in tier
+ Loan-to-Member Ratio (LMR): Top 4.0% in tier
+ Average Member Relationship (AMR): Top 5.3% in tier
+ Net Charge-Off Rate: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.37% below tier average
- Net Interest Margin (NIM): Bottom 0.2% in tier
- Fee Income Per Member: Bottom 1.5% in tier
- Total Members: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	6,531 -0.0% YoY-0.3% QoQ	-8.6K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 8.9% in tier
Assets	$173.3M -0.3% YoY-2.9% QoQ	$-58.4M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	41%
Loans	$125.1M +2.8% YoY-1.2% QoQ	$-19.1M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	52%
Deposits	$145.1M -1.1% YoY-0.6% QoQ	$-56.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	38%

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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	0.4% -34.6% QoQ	-0.4%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	27%
NIM	1.5% +40.0% YoY+16.5% QoQ	-2.1%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 0.1% in tier
Efficiency Ratio	76.2% -18.9% YoY+27.0% QoQ	-1.8%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	0.0%	-0.7	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 2.5% in tier
Loan To Share	86.2% +3.9% YoY-0.6% QoQ	+15.8%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	81%
AMR	$41,368 +0.7% YoY-0.6% QoQ	+$16K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 5.4% in tier
CD Concentration	0.0%	-24.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk

#641 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Deposit Outflow

decline

#68 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.08%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): -0.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Credit Risk Growth

risk

#450 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.78%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | 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 (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

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

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.10%

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

Members Per Employee (MPE)

engagement

Value: 1088.500

Peer Median: 309.176

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

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.61%

#28 of 1070 Top 2.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,154

Peer Median: $9,356

#44 of 1070 Top 4.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $41,368

Peer Median: $22,931

#58 of 1070 Top 5.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: 0.35%

#76 of 1070 Top 7.0% in 100M-500M tier

141

Net Worth Ratio

risk

Value: 15.33%

Peer Median: 11.45%

#141 of 1070 Top 13.1% in 100M-500M tier

200

Loan-to-Share Ratio

balance_sheet

Value: 86.23%

Peer Median: 71.88%

#200 of 1070 Top 18.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1069

Net Interest Margin (NIM)

profitability

Value: 1.53%

Peer Median: 3.62%

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1055

Fee Income Per Member

profitability

Value: $21.42

Peer Median: $154.95

#1055 of 1070 Bottom 1.5% in 100M-500M tier

975

Total Members

engagement

Value: 6,531

Peer Median: 13,200

#975 of 1070 Bottom 9.0% in 100M-500M tier

913

Deposit Growth Rate

growth

Value: -1.08%

Peer Median: 3.30%

#913 of 1070 Bottom 14.8% in 100M-500M tier

907

Asset Growth Rate

growth

Value: -0.31%

Peer Median: 3.91%

#907 of 1070 Bottom 15.3% in 100M-500M tier