BlastPoint's Credit Union Scorecard
CORAZO
Charter #68356 · CA
CORAZO has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.92% above tier average
- + Deposit Growth Rate: Top 4.2% in tier
- + First Mortgage Concentration (%): Top 4.3% in tier
- + Asset Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.20% below tier average
- - Delinquency rate 1.63% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.8% in tier
- - Net Charge-Off Rate: Bottom 9.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits +12.8% year over year ($208M in shares and deposits).
- Membership: 23,687 members, +3.3% vs a year ago.
- Delinquency rate 2.51%.
- Return on assets 0.67%.
- Efficiency ratio 74.20% vs a 76.73% peer average.
- Loan-to-share ratio 85.77% vs a 71.54% 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 |
23,687
+3.3% YoY-0.4% QoQ
|
+8.5K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 13.9% in tier |
| Assets |
$243.6M
+11.2% YoY+0.7% QoQ
|
+$11.6M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$178.6M
+6.0% YoY+2.0% QoQ
|
+$32.3M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$208.2M
+12.8% YoY+0.8% QoQ
|
+$7.5M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
61% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-86.1% YoY
|
-0.2% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
4.6%
+7.9% YoY+11.5% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 8.4% in tier |
| Efficiency Ratio |
74.2%
+61.5% YoY-9.7% QoQ
|
-2.5% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
2.5%
+69.0% YoY+32.8% QoQ
|
+1.6 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.8% in tier |
| Loan To Share |
85.8%
-6.0% YoY+1.1% QoQ
|
+14.2% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$16,327
+6.1% YoY+1.8% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.1% in tier |
| CD Concentration |
35.5%
+15.4% YoY+3.1% QoQ
|
+11.0% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
10.5%
-12.8% YoY-10.2% QoQ
|
-3.1% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)