BlastPoint's Credit Union Scorecard
SANTA BARBARA COUNTY
Charter #6711 · CA
SANTA BARBARA COUNTY has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.99% above tier average
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,933
-0.1% YoY-1.9% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$66.3M
+6.4% YoY+0.8% QoQ
|
+$36.5M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 13.8% in tier |
| Loans |
$28.0M
+3.4% YoY+0.2% QoQ
|
+$12.3M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$58.0M
+5.5% YoY+0.5% QoQ
|
+$32.6M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 12.9% in tier |
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| ROA |
1.7%
+5.7% YoY+5.1% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
85% |
| NIM |
3.2%
-1.2% YoY-2.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
60.8%
-2.3% YoY-3.3% QoQ
|
-20.6% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
15% |
| Delinquency Rate |
0.0%
+120.0% YoY-88.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
48.3%
-2.0% YoY-0.3% QoQ
|
-12.9% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$21,884
+4.9% YoY+2.4% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.4%
-62.2% YoY-2.1% QoQ
|
-9.6% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)