BlastPoint's Credit Union Scorecard
CALTECH EMPLOYEES
Charter #6681 · CA
CALTECH EMPLOYEES has 8 strengths but faces 9 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
- + Relationship Depth Leader: Top 45.3% in tier
- + Wallet Share Momentum: Top 91.8% in tier
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.7% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.1% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 16.28% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - Fee Income Per Member: Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 1.0% in tier
- - Total Members: Bottom 1.7% in tier
- - First Mortgage Concentration (%): Bottom 2.0% in tier
- - Total Loans: Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,425
+0.4% YoY+0.5% QoQ
|
-63.0K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 1.3% in tier |
| Assets |
$2.1B
+4.1% YoY+0.0% QoQ
|
+$393.2M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$658.3M
+10.3% YoY+2.2% QoQ
|
$-576.1M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.0% in tier |
| Deposits |
$1.6B
+4.0% YoY-0.2% QoQ
|
+$141.4M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.1%
+57.3% YoY+3.8% QoQ
|
-0.6% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.0% in tier |
| NIM |
1.0%
+7.1% YoY+1.5% QoQ
|
-2.3% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
90.3%
-3.3% YoY-0.2% QoQ
|
+16.3% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.0%
-41.5% YoY+9.6% QoQ
|
-0.9 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
41.1%
+6.1% YoY+2.5% QoQ
|
-43.7% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.7% in tier |
| AMR |
$65,624
+5.3% YoY-0.0% QoQ
|
+$36K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 1.0% in tier |
| CD Concentration | 0.0% | -29.0% | 29.0% | 21.7% | 19.8% | Bottom 0.0% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 9.2% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)