BlastPoint's Credit Union Scorecard
CORAZO
Charter #68356 · CA
CORAZO has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 3.9% in tier
- + Organic Growth Engine: Top 6.1% in tier
- + Organic Growth Leader: Top 26.1% in tier
- + ROA 2.14% above tier average
- + Net Interest Margin 0.90% above tier average
- + Fee Income Per Member: Top 1.7% in tier
- + Efficiency Ratio: Top 3.1% in tier
- + First Mortgage Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7.7% in tier
- - Credit Quality Pressure: Bottom 12.4% in tier
- - Liquidity Strain: Bottom 77.1% in tier
- - Delinquency rate 1.13% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,567
+4.3% YoY+0.8% QoQ
|
+8.1K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$234.6M
+7.0% YoY+6.8% QoQ
|
+$2.7M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$180.0M
+9.8% YoY-1.1% QoQ
|
+$32.7M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$199.3M
+6.9% YoY+8.0% QoQ
|
$-1.5M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
2.9%
+167.2% YoY-21.5% QoQ
|
+2.1% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Top 0.4% in tier |
| NIM |
4.5%
+7.3% YoY-1.2% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
53.8%
-19.1% YoY+8.0% QoQ
|
-23.3% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate |
2.0%
+45.2% YoY+28.8% QoQ
|
+1.1 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 7.1% in tier |
| Loan To Share |
90.4%
+2.8% YoY-8.4% QoQ
|
+18.1% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 13.4% in tier |
| AMR |
$16,094
+3.8% YoY+2.7% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.9% in tier |
| CD Concentration |
35.9%
-3.0% YoY+13.3% QoQ
|
+11.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
12.8%
+4.4% YoY-2.3% QoQ
|
-1.0% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)