BlastPoint's Credit Union Scorecard

EAGLE COMMUNITY

Charter #66847 · CA

1069 CUs in 100M-500M nationally 63 in CA

EAGLE COMMUNITY has 9 strengths but faces 9 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 6.0% in tier
+ Wallet Share Momentum: Top 13.3% in tier
+ Net Interest Margin 1.64% above tier average
+ First Mortgage Concentration (%): Top 2.3% in tier
+ Total Loans: Top 3.4% in tier
+ AMR Growth Rate: Top 4.7% in tier
+ Loan Growth Rate: Top 7.2% in tier
+ Loan-to-Share Ratio: Top 8.0% in tier
+ Deposit Growth Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 28.9% in tier
- Liquidity Strain: Bottom 34.8% in tier
- Credit Risk Growth: Bottom 38.9% in tier
- Credit Quality Pressure: Bottom 80.3% in tier
- Membership Headwinds: Bottom 97.7% in tier
- Stagnation Risk: Bottom 97.8% in tier
- ROA 0.28% below tier average
- Efficiency ratio 2.70% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 5.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	22,567 -0.6% YoY+0.5% QoQ	+7.1K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	83%
Assets	$393.4M +10.2% YoY+6.4% QoQ	+$161.6M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Top 12.1% in tier
Loans	$325.9M +15.3% YoY+7.8% QoQ	+$178.6M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	Top 3.5% in tier
Deposits	$347.1M +11.1% YoY+7.4% QoQ	+$146.3M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Top 10.9% 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% +0.6% YoY-4.0% QoQ	-0.3%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	30%
NIM	5.2% +2.3% YoY-3.1% QoQ	+1.6%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Top 1.7% in tier
Efficiency Ratio	79.7% +0.3% YoY-1.1% QoQ	+2.7%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	59%
Delinquency Rate	0.7% +13.0% YoY+35.0% QoQ	-0.2	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	45%
Loan To Share	93.9% +3.8% YoY+0.4% QoQ	+21.7%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Top 8.0% in tier
AMR	$29,827 +13.8% YoY+7.1% QoQ	+$5K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	82%
CD Concentration	35.5% +13.4% YoY+3.1% QoQ	+11.1%	24.4%	21.7%	19.8%	50%
Indirect Auto %	21.4% -25.1% YoY-7.5% QoQ	+7.6%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#17 of 268 • Top 6.0% 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): 13.78%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#69 of 513 • Top 13.3% in tier

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

Why This Signature

AMR Growth (YoY): 13.78%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Indirect Auto Dependency

risk

#147 of 506 • Bottom 28.9% in tier

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

Why This Signature

Asset Growth (YoY): 10.23%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 21.43%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Liquidity Strain

risk

#80 of 228 • Bottom 34.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.89%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 15.32%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#178 of 456 • Bottom 38.9% in tier

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

Why This Signature

Loan Growth (YoY): 15.32%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#566 of 705 • Bottom 80.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Membership Headwinds

decline

#541 of 554 • Bottom 97.7% in tier

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

Why This Signature

Member Growth (YoY): -0.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#542 of 554 • Bottom 97.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 15.32%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.65%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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 1069 peers in tier

Top Strengths (13 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.24%

Peer Median: -

#18 of 1069 Top 1.6% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 1.15%

Peer Median: -

#26 of 1069 Top 2.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $325.95M

Peer Median: -

#37 of 1069 Top 3.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.78%

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.32%

Peer Median: -

#78 of 1069 Top 7.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.89%

Peer Median: -

#86 of 1069 Top 8.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.09%

Peer Median: -

#92 of 1069 Top 8.5% in 100M-500M tier

116

Total Deposits

balance_sheet

Value: $347.15M

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

129

Total Assets

balance_sheet

Value: $393.44M

Peer Median: -

#129 of 1069 Top 12.0% in 100M-500M tier

130

Asset Growth Rate

growth

Value: 10.23%

Peer Median: -

#130 of 1069 Top 12.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1013

Members Per Employee (MPE)

engagement

Value: 205.155

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

929

Share Certificate Concentration (%)

balance_sheet

Value: 35.54%

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

883

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

803

Indirect Auto Concentration (%)

balance_sheet

Value: 21.43%

Peer Median: -

#803 of 1069 Bottom 25.0% in 100M-500M tier