BlastPoint's Credit Union Scorecard
CALTECH EMPLOYEES
Charter #6681 · CA
CALTECH EMPLOYEES has 8 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 8.6% in tier
- + Wallet Share Momentum: Top 8.6% 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 2.3% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
- + AMR Growth Rate: Top 9.0% in tier
- + Loan Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.0% in tier
- - Membership Headwinds: Bottom 96.0% in tier
- - Stagnation Risk: Bottom 96.0% in tier
- - ROA 0.69% below tier average
- - Efficiency ratio 15.66% above tier (higher cost structure)
- - Member decline: -7.8% YoY
- - Net Interest Margin (NIM): Bottom 0.3% in tier
- - Fee Income Per Member: Bottom 1.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits -1.9% year over year ($1.58B in shares and deposits).
- Membership: 31,491 members, -7.8% vs a year ago.
- Delinquency rate 0.02%.
- Return on assets 0.13%.
- Efficiency ratio 88.68% vs a 73.02% peer average.
- Loan-to-share ratio 44.68% vs a 84.71% 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 |
31,491
-7.8% YoY-0.5% QoQ
|
-65.4K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 0.7% in tier |
| Assets |
$2.1B
-0.9% YoY-3.7% QoQ
|
+$372.1M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$705.5M
+14.0% YoY+5.0% QoQ
|
$-528.8M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.0% in tier |
| Deposits |
$1.6B
-1.9% YoY-2.0% QoQ
|
+$115.4M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
0.1%
+47.7% YoY+2.6% QoQ
|
-0.7% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.7% in tier |
| NIM |
1.0%
+13.2% YoY-2.9% QoQ
|
-2.4% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
88.7%
-3.1% YoY-0.1% QoQ
|
+15.7% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate | 0.0% | -0.8 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
44.7%
+16.3% YoY+7.1% QoQ
|
-40.0% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.7% in tier |
| AMR |
$72,536
+11.2% YoY+0.5% QoQ
|
+$43K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 0.7% in tier |
| CD Concentration | 0.0% | -29.1% | 29.1% | 22.2% | 20.0% | Bottom 0.1% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 9.2% | 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 (3)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)