BlastPoint's Credit Union Scorecard
SAN JOAQUIN POWER EMPLOYEES
Charter #66788 · CA
SAN JOAQUIN POWER EMPLOYEES has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 59.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
- + Total Delinquency Rate (60+ days): Top 1.3% in tier
- + Net Charge-Off Rate: Top 1.5% in tier
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Average Member Relationship (AMR): Top 5.4% in tier
- + Efficiency Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Net Interest Margin (NIM): Bottom 0.3% in tier
- - Fee Income Per Member: Bottom 1.6% in tier
- - Total Members: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,548
-0.0% YoY-0.1% QoQ
|
-8.9K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$178.5M
+3.1% YoY+0.8% QoQ
|
$-53.3M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$126.6M
+5.7% YoY+1.1% QoQ
|
$-20.8M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$145.9M
+2.9% YoY-0.3% QoQ
|
$-54.9M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.5%
+111.0% YoY+11.3% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
1.3%
+26.4% YoY+4.1% QoQ
|
-2.3% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio |
60.0%
-18.3% YoY-4.6% QoQ
|
-17.0% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
0.0%
-63.9% YoY-34.0% QoQ
|
-0.9 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
86.7%
+2.7% YoY+1.4% QoQ
|
+14.5% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$41,608
+4.2% YoY+0.5% QoQ
|
+$17K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 5.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (0)
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)