BlastPoint's Credit Union Scorecard

CALIFORNIA COMMUNITY

Charter #68321 · CA

<100M

2508 CUs in <100M nationally 92 in CA

CALIFORNIA COMMUNITY has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.30% above tier average
+ Total Deposits: Top 7.1% in tier
+ Total Assets: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Member decline: -4.7% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	4,112 -4.7% YoY-1.2% QoQ	+1.4K	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	80%
Assets	$79.9M -2.3% YoY+1.1% QoQ	+$49.7M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 7.4% in tier
Loans	$28.9M -2.0% YoY-3.1% QoQ	+$13.6M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	82%
Deposits	$69.0M -3.0% YoY+1.2% QoQ	+$43.3M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 7.1% 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	0.4% +46.9% YoY+37.9% QoQ	+0.3%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	42%
NIM	3.2% +4.7% YoY-0.9% QoQ	-0.8%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	84.7% -2.4% YoY-2.2% QoQ	-5.9%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	57%
Delinquency Rate	0.2% +59.5% YoY-56.1% QoQ	-1.3	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	28%
Loan To Share	41.9% +1.0% YoY-4.2% QoQ	-16.6%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	24%
AMR	$23,821 +2.1% YoY+1.1% QoQ	+$9K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 10.7% in tier
CD Concentration	14.7% -1.7% YoY-2.9% QoQ	-9.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

179

Total Deposits

balance_sheet

Value: $69.03M

Peer Median: $18.77M

#179 of 2508 Top 7.1% in <100M tier

185

Total Assets

balance_sheet

Value: $79.92M

Peer Median: $21.86M

#185 of 2508 Top 7.3% in <100M tier

269

Average Member Relationship (AMR)

engagement

Value: $23,821

Peer Median: $13,926

#269 of 2508 Top 10.7% in <100M tier

449

Total Loans

balance_sheet

Value: $28.92M

Peer Median: $9.48M

#449 of 2508 Top 17.9% in <100M tier

497

Total Members

engagement

Value: 4,112

Peer Median: 1,918

#497 of 2508 Top 19.8% in <100M tier

620

Loan-to-Member Ratio (LMR)

engagement

Value: $7,033

Peer Median: $4,923

#620 of 2508 Top 24.7% in <100M tier

Top Weaknesses (3 metrics)

2049

Member Growth Rate

growth

Value: -4.70%

Peer Median: -1.37%

#2049 of 2508 Bottom 18.3% in <100M tier

1914

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.83%

#1914 of 2508 Bottom 23.7% in <100M tier

1907

Loan-to-Share Ratio

balance_sheet

Value: 41.89%

Peer Median: 58.72%

#1907 of 2508 Bottom 24.0% in <100M tier