BlastPoint's Credit Union Scorecard
AMERICA'S CHRISTIAN
Charter #68062 · CA
AMERICA'S CHRISTIAN 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
- + Organic Growth Engine: Top 0.2% in tier
- + Strong member growth: 51.4% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
- + First Mortgage Concentration (%): Top 0.9% in tier
- + Deposit Growth Rate: Top 6.3% in tier
- + Asset Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17.7% in tier
- - Credit Quality Pressure: Bottom 25.8% in tier
- - Shrinking Wallet Share: Bottom 99.8% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 1.96% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
- - Fee Income Per Member: Bottom 1.8% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +14.0% year over year ($729M in shares and deposits).
- Membership: 155,301 members, +51.4% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 0.47%.
- Efficiency ratio 76.49% vs a 74.54% peer average.
- Loan-to-share ratio 88.73% vs a 82.60% 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 |
155,301
+51.4% YoY+3.5% QoQ
|
+102.8K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 0.9% in tier |
| Assets |
$819.8M
+11.6% YoY+0.2% QoQ
|
$-44.2M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$647.0M
+9.6% YoY+3.2% QoQ
|
+$39.2M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$729.1M
+14.0% YoY+0.4% QoQ
|
$-10.8M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.5%
-54.0% YoY-11.3% QoQ
|
-0.4% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
2.8%
-1.2% YoY+2.3% QoQ
|
-0.7% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.4% in tier |
| Efficiency Ratio |
76.5%
+10.3% YoY-2.8% QoQ
|
+2.0% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.6%
+55.2% YoY-42.3% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
88.7%
-3.8% YoY+2.7% QoQ
|
+6.1% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$8,861
-26.1% YoY-1.7% QoQ
|
$-20K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
31.0%
+34.6% YoY-3.2% QoQ
|
+6.4% | 24.6% | 22.2% | 20.0% | 74% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.6% | 13.6% | 9.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)