BlastPoint's Credit Union Scorecard
SAN JOAQUIN POWER EMPLOYEES
Charter #66788 · CA
SAN JOAQUIN POWER EMPLOYEES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 0.3% in tier
- + Total Delinquency Rate (60+ days): Top 2.1% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
- + Average Member Relationship (AMR): Top 5.5% in tier
- + Net Charge-Off Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - ROA 0.31% below tier average
- - Net Interest Margin (NIM): Bottom 0.1% in tier
- - Fee Income Per Member: Bottom 1.1% in tier
- - Total Members: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits -1.1% year over year ($145M in shares and deposits).
- Membership: 6,559 members, +0.4% vs a year ago.
- Delinquency rate 0.04%.
- Return on assets 0.56%.
- Efficiency ratio 64.63% vs a 76.73% peer average.
- Loan-to-share ratio 87.01% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,559
+0.4% YoY+0.4% QoQ
|
-8.6K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 9.5% in tier |
| Assets |
$174.9M
-0.2% YoY+0.9% QoQ
|
$-57.2M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$126.0M
+1.1% YoY+0.8% QoQ
|
$-20.2M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$144.9M
-1.1% YoY-0.2% QoQ
|
$-55.9M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.6%
+115.8% YoY+56.1% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
1.6%
+30.2% YoY+1.1% QoQ
|
-2.1% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
64.6%
-14.5% YoY-15.2% QoQ
|
-12.1% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 14.8% in tier |
| Delinquency Rate | 0.0% | -0.8 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 2.1% in tier |
| Loan To Share |
87.0%
+2.2% YoY+0.9% QoQ
|
+15.5% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$41,302
-0.4% YoY-0.2% QoQ
|
+$16K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 5.6% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)