BlastPoint's Credit Union Scorecard

EAGLE COMMUNITY

Charter #66847 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

EAGLE COMMUNITY has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 1.65% above tier average
+ First Mortgage Concentration (%): Top 2.3% in tier
+ Deposit Growth Rate: Top 2.5% in tier
+ Total Loans: Top 2.9% in tier
+ Asset Growth Rate: Top 3.1% in tier
+ Loan Growth Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Efficiency ratio 1.45% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 7.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits +16.1% year over year ($363M in shares and deposits).
Membership: 23,290 members, +3.7% vs a year ago.
Delinquency rate 0.49%.
Return on assets 0.56%.
Efficiency ratio 78.19% vs a 76.73% peer average.
Loan-to-share ratio 92.96% vs a 71.54% 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	23,290 +3.7% YoY+0.6% QoQ	+8.1K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Top 14.8% in tier
Assets	$409.2M +14.3% YoY-0.5% QoQ	+$177.2M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Top 9.8% in tier
Loans	$337.2M +16.0% YoY+1.2% QoQ	+$190.9M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Top 3.0% in tier
Deposits	$362.7M +16.1% YoY-0.8% QoQ	+$162.0M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Top 7.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +32.4% YoY+64.0% QoQ	-0.3%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	33%
NIM	5.3% +1.0% YoY+2.3% QoQ	+1.7%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Top 1.4% in tier
Efficiency Ratio	78.2% -4.9% YoY-2.0% QoQ	+1.5%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	52%
Delinquency Rate	0.5% +2.2% YoY+8.4% QoQ	-0.4	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	35%
Loan To Share	93.0% -0.1% YoY+2.1% QoQ	+21.4%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Top 9.6% in tier
AMR	$30,048 +11.9% YoY-0.4% QoQ	+$5K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	80%
CD Concentration	37.5% +12.4% YoY+2.7% QoQ	+12.9%	24.6%	22.2%	20.0%	50%
Indirect Auto %	21.0% -15.3% YoY-1.5% QoQ	+7.3%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#24 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 11.91%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#86 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 11.91%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#93 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.96%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 15.97%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#200 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 14.33%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 20.97%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 3.69%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Credit Risk Growth

risk

#255 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 15.97%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#659 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (14 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.34%

Peer Median: 3.67%

#14 of 1024 Top 1.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.98%

Peer Median: 29.92%

#25 of 1024 Top 2.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 16.10%

Peer Median: 3.58%

#27 of 1024 Top 2.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $337.15M

Peer Median: $124.04M

#31 of 1024 Top 2.9% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.33%

Peer Median: 4.12%

#33 of 1024 Top 3.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.97%

Peer Median: 3.02%

#65 of 1024 Top 6.2% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.91%

Peer Median: 3.53%

#69 of 1024 Top 6.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $362.67M

Peer Median: $170.77M

#80 of 1024 Top 7.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.96%

Peer Median: 73.07%

#98 of 1024 Top 9.5% in 100M-500M tier

100

Total Assets

balance_sheet

Value: $409.22M

Peer Median: $196.38M

#100 of 1024 Top 9.7% in 100M-500M tier

Top Weaknesses (4 metrics)

946

Members Per Employee (MPE)

engagement

Value: 215.648

Peer Median: 310.924

#946 of 1024 Bottom 7.7% in 100M-500M tier

913

Share Certificate Concentration (%)

balance_sheet

Value: 37.46%

Peer Median: 23.39%

#913 of 1024 Bottom 10.9% in 100M-500M tier

890

Net Charge-Off Rate

risk

Value: 0.86%

Peer Median: 0.34%

#890 of 1024 Bottom 13.2% in 100M-500M tier

784

Net Worth Ratio

risk

Value: 9.91%

Peer Median: 11.71%

#784 of 1024 Bottom 23.5% in 100M-500M tier