BlastPoint's Credit Union Scorecard

EAGLE COMMUNITY

Charter #66847 · CA

1077 CUs in 100M-500M nationally 63 in CA

EAGLE COMMUNITY has 5 strengths but faces 8 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

+ Wallet Share Momentum: Top 59.0% in tier
+ Net Interest Margin 1.82% above tier average
+ First Mortgage Concentration (%): Top 2.5% in tier
+ Total Loans: Top 5.8% in tier
+ Loan-to-Share Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 17.8% in tier
- Liquidity Strain: Bottom 17.8% in tier
- Efficiency Drag: Bottom 18.7% in tier
- Indirect Auto Dependency: Bottom 19.3% in tier
- Membership Headwinds: Bottom 21.4% in tier
- ROA 0.28% below tier average
- Efficiency ratio 3.34% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 6.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	22,458 -1.7% YoY-0.0% QoQ	+6.8K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	82%
Assets	$369.7M +3.4% YoY+3.3% QoQ	+$138.4M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	Top 14.9% in tier
Loans	$302.3M +6.7% YoY+4.0% QoQ	+$154.5M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Top 5.8% in tier
Deposits	$323.2M +3.5% YoY+3.5% QoQ	+$122.9M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	Top 14.6% 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	0.5% +16.9% YoY+19.9% QoQ	-0.3%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	33%
NIM	5.4% +6.5% YoY+2.4% QoQ	+1.8%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Top 1.1% in tier
Efficiency Ratio	80.6% -0.4% YoY-1.9% QoQ	+3.3%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	63%
Delinquency Rate	0.5% -32.1% YoY+0.9% QoQ	-0.4	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	36%
Loan To Share	93.5% +3.0% YoY+0.5% QoQ	+20.8%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Top 9.8% in tier
AMR	$27,851 +6.9% YoY+3.7% QoQ	+$3K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	76%
CD Concentration	34.5% +24.2% YoY+3.4% QoQ	+10.1%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	23.2% -21.5% YoY-6.5% QoQ	+9.2%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#284 of 481 • Top 59.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.86%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#294 of 550 • Bottom 17.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 6.66%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.48%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk

#139 of 258 • Bottom 17.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.52%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.66%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk

#331 of 521 • Bottom 18.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.62%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#311 of 525 • Bottom 19.3% in tier

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

Why This Signature

Asset Growth (YoY): 3.43%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 23.15%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Membership Headwinds

decline

#353 of 550 • Bottom 21.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (10 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.41%

Peer Avg: -

#12 of 1077 Top 1.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 1.28%

Peer Avg: -

#28 of 1077 Top 2.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $302.26M

Peer Avg: -

#63 of 1077 Top 5.8% in 100M-500M tier

106

Loan-to-Share Ratio

balance_sheet

Value: 93.52%

Peer Avg: -

#106 of 1077 Top 9.7% in 100M-500M tier

157

Total Deposits

balance_sheet

Value: $323.22M

Peer Avg: -

#157 of 1077 Top 14.5% in 100M-500M tier

160

Total Assets

balance_sheet

Value: $369.72M

Peer Avg: -

#160 of 1077 Top 14.8% in 100M-500M tier

167

Loan-to-Member Ratio (LMR)

engagement

Value: $13,459

Peer Avg: -

#167 of 1077 Top 15.4% in 100M-500M tier

194

Total Members

engagement

Value: 22,458

Peer Avg: -

#194 of 1077 Top 17.9% in 100M-500M tier

225

AMR Growth Rate

growth

Value: 6.86%

Peer Avg: -

#225 of 1077 Top 20.8% in 100M-500M tier

260

Average Member Relationship (AMR)

engagement

Value: $27,851

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1009

Members Per Employee (MPE)

engagement

Value: 211.868

Peer Avg: -

#1009 of 1077 Bottom 6.4% in 100M-500M tier

938

Net Charge-Off Rate

risk

Value: 0.87%

Peer Avg: -

#938 of 1077 Bottom 13.0% in 100M-500M tier

903

Share Certificate Concentration (%)

balance_sheet

Value: 34.47%

Peer Avg: -

#903 of 1077 Bottom 16.2% in 100M-500M tier

825

Indirect Auto Concentration (%)

balance_sheet

Value: 23.15%

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier