BlastPoint's Credit Union Scorecard
CORAZO
Charter #68356 · CA
1077 CUs in 100M-500M nationally
63 in CA
CORAZO has 11 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 1.2% in tier
- + Organic Growth Engine: Top 6.9% in tier
- + Wallet Share Momentum: Top 13.5% in tier
- + Organic Growth Leader: Top 17.2% in tier
- + Relationship Depth Leader: Top 25.6% in tier
- + ROA 2.91% above tier average
- + Net Interest Margin 0.97% above tier average
- + Fee Income Per Member: Top 1.1% in tier
- + Efficiency Ratio: Top 2.1% in tier
- + First Mortgage Concentration (%): Top 3.2% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 3.7% in tier
- - Credit Quality Pressure: Bottom 4.6% in tier
- - Liquidity Strain: Bottom 6.8% in tier
- - Liquidity Overhang: Bottom 25.7% in tier
- - Delinquency rate 0.71% above tier average
- - Net Charge-Off Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,381
+2.3% YoY+1.9% QoQ
|
+7.8K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$219.6M
+6.5% YoY+0.2% QoQ
|
$-11.7M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$182.0M
+8.4% YoY+8.0% QoQ
|
+$34.2M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$184.6M
+8.6% YoY-0.0% QoQ
|
$-15.7M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
55% |
| ROA |
3.7%
+146.5% YoY-22.5% QoQ
|
+2.9% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.2% in tier |
| NIM |
4.6%
+5.3% YoY+6.9% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
49.8%
-25.3% YoY+8.3% QoQ
|
-27.5% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate |
1.6%
+58.4% YoY+6.0% QoQ
|
+0.7 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 12.9% in tier |
| Loan To Share |
98.6%
-0.2% YoY+8.1% QoQ
|
+25.9% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 4.0% in tier |
| AMR |
$15,678
+6.0% YoY+1.9% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.5% in tier |
| CD Concentration |
31.7%
+17.8% YoY+2.8% QoQ
|
+7.3% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.1%
+7.2% YoY+8.5% QoQ
|
-0.9% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#23 of 627 • Top 1.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
3.70%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.33%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#128 of 603 • Top 6.9% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.33%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
3.70%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
13.08%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#373 of 1006 • Top 13.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
6.03%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#228 of 430 • Top 17.2% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.33%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#707 of 1006 • Top 25.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
6.03%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.8K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (4)
Growth-at-Risk
risk
#57 of 446 • Bottom 3.7% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
8.36%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.58% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#115 of 736 • Bottom 4.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.58% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Liquidity Strain
risk
#54 of 258 • Bottom 6.8% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
98.62%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
8.36%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#399 of 552 • Bottom 25.7% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
15.12%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
98.62%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 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)
Top Strengths (10 metrics)
2
Return on Assets (ROA)
profitability
Value:
3.70%
Peer Avg: 0.79%
#2 of 1077
Top 0.1% in 100M-500M tier
13
Fee Income Per Member
profitability
Value:
$445.61
Peer Avg: $174.31
#13 of 1077
Top 1.1% in 100M-500M tier
24
Efficiency Ratio
profitability
Value:
49.76%
Peer Avg: 77.28%
#24 of 1077
Top 2.1% in 100M-500M tier
36
First Mortgage Concentration (%)
balance_sheet
Value:
2.31%
Peer Avg: 30.43%
#36 of 1077
Top 3.2% in 100M-500M tier
43
Loan-to-Share Ratio
balance_sheet
Value:
98.62%
Peer Avg: 72.70%
#43 of 1077
Top 3.9% in 100M-500M tier
85
Net Interest Margin (NIM)
profitability
Value:
4.56%
Peer Avg: 3.58%
#85 of 1077
Top 7.8% in 100M-500M tier
163
Net Worth Ratio
risk
Value:
15.12%
Peer Avg: 12.15%
#163 of 1077
Top 15.0% in 100M-500M tier
172
Total Members
engagement
Value:
23,381
Peer Avg: 15,628
#172 of 1077
Top 15.9% in 100M-500M tier
183
Deposit Growth Rate
growth
Value:
8.62%
Peer Avg: 4.69%
#183 of 1077
Top 16.9% in 100M-500M tier
229
Loan Growth Rate
growth
Value:
8.36%
Peer Avg: 3.45%
#229 of 1077
Top 21.2% in 100M-500M tier
Top Weaknesses (4 metrics)
976
Net Charge-Off Rate
risk
Value:
1.02%
Peer Avg: 0.47%
#976 of 1077
Bottom 9.5% in 100M-500M tier
942
Average Member Relationship (AMR)
engagement
Value:
$15,678
Peer Avg: $24,363
#942 of 1077
Bottom 12.6% in 100M-500M tier
939
Total Delinquency Rate (60+ days)
risk
Value:
1.57%
Peer Avg: 0.86%
#939 of 1077
Bottom 12.9% in 100M-500M tier
826
Share Certificate Concentration (%)
balance_sheet
Value:
31.68%
Peer Avg: 23.61%
#826 of 1077
Bottom 23.4% in 100M-500M tier