BlastPoint's Credit Union Scorecard
CALTECH EMPLOYEES
Charter #6681 · CA
CALTECH EMPLOYEES has 7 strengths but faces 8 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 5.8% in tier
- + Wallet Share Momentum: Top 5.8% in tier
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.3% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Net Charge-Off Rate: Top 3.3% in tier
- + AMR Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.2% in tier
- - Credit Risk Growth: Bottom 12.6% in tier
- - Credit Quality Pressure: Bottom 58.9% in tier
- - Membership Headwinds: Bottom 96.8% in tier
- - Stagnation Risk: Bottom 96.8% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 14.12% above tier (higher cost structure)
- - Member decline: -7.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,637
-7.8% YoY-8.1% QoQ
|
-64.4K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 1.0% in tier |
| Assets |
$2.2B
+2.5% YoY+2.8% QoQ
|
+$456.4M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$672.0M
+12.8% YoY+2.1% QoQ
|
$-541.7M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.9% in tier |
| Deposits |
$1.6B
-0.8% YoY+0.6% QoQ
|
+$145.6M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
0.1%
+32.1% YoY+22.4% QoQ
|
-0.6% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.5% in tier |
| NIM |
1.1%
+16.9% YoY+12.3% QoQ
|
-2.3% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
88.7%
-2.4% YoY-1.8% QoQ
|
+14.1% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate | 0.0% | -0.7 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
41.7%
+13.7% YoY+1.4% QoQ
|
-41.5% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.7% in tier |
| AMR |
$72,166
+11.6% YoY+10.0% QoQ
|
+$43K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 0.7% in tier |
| CD Concentration | 0.0% | -28.8% | 28.8% | 21.6% | 19.8% | Bottom 0.1% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 9.0% | 7.7% | Top 0.1% 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 (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)