BlastPoint's Credit Union Scorecard
CALTECH EMPLOYEES
Charter #6681 · CA
CALTECH EMPLOYEES has 9 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
- + Credit Quality Leader: Top 1.1% in tier
- + Relationship Depth Leader: Top 33.3% in tier
- + Wallet Share Momentum: Top 73.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.3% 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 5.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.0% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 16.57% 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 1.3% in tier
- - Total Members: Bottom 1.6% in tier
- - First Mortgage Concentration (%): Bottom 2.0% in tier
- - Total Loans: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,260
-0.1% YoY+0.3% QoQ
|
-64.4K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 1.3% in tier |
| Assets |
$2.1B
+4.3% YoY+0.1% QoQ
|
+$396.5M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$644.0M
+8.9% YoY+4.1% QoQ
|
$-589.1M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.3% in tier |
| Deposits |
$1.6B
+4.7% YoY-0.3% QoQ
|
+$150.3M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
64% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
+14.6% YoY+13.3% QoQ
|
-0.6% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.6% in tier |
| NIM |
0.9%
+4.3% YoY+2.2% QoQ
|
-2.3% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
90.5%
-1.0% YoY-1.1% QoQ
|
+16.6% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
0.0%
-13.3% YoY-31.1% QoQ
|
-0.8 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.3% in tier |
| Loan To Share |
40.1%
+4.0% YoY+4.4% QoQ
|
-45.1% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$65,634
+6.0% YoY+0.6% QoQ
|
+$36K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 1.0% in tier |
| CD Concentration | 0.0% | -29.0% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Bottom 0.0% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)