BlastPoint's Credit Union Scorecard

CORAZO

Charter #68356 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

CORAZO has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Net Interest Margin 0.50% above tier average
+ First Mortgage Concentration (%): Top 4.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.73% below tier average
- Efficiency ratio 4.14% above tier (higher cost structure)
- Delinquency rate 1.11% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	23,794 +4.0% YoY+1.0% QoQ	+8.6K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Top 13.6% in tier
Assets	$241.8M +3.9% YoY+3.1% QoQ	+$10.1M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	61%
Loans	$175.1M +7.0% YoY-2.8% QoQ	+$30.9M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	70%
Deposits	$206.4M +4.4% YoY+3.6% QoQ	+$5.3M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.0% -100.3% YoY-100.2% QoQ	-0.7%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 7.6% in tier
NIM	4.1% +3.9% YoY-8.3% QoQ	+0.5%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	82.2% +23.6% YoY+52.8% QoQ	+4.1%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	1.9% +30.2% YoY-6.8% QoQ	+1.1	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Bottom 6.1% in tier
Loan To Share	84.8% +2.5% YoY-6.1% QoQ	+14.4%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	78%
AMR	$16,033 +1.5% YoY-0.4% QoQ	$-9K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Bottom 12.9% in tier
CD Concentration	34.5% -3.0% YoY-3.9% QoQ	+10.2%	24.3%	21.6%	19.8%	50%
Indirect Auto %	11.7% -2.2% YoY-8.4% QoQ	-2.1%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#113 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.02%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 11.70%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#88 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.00%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.44% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#145 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#581 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.16%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -2.21% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 4.02%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 3.75%

Peer Median: 29.47%

#53 of 1070 Top 4.9% in 100M-500M tier

146

Total Members

engagement

Value: 23,794

Peer Median: 13,200

#146 of 1070 Top 13.6% in 100M-500M tier

155

Member Growth Rate

growth

Value: 4.02%

Peer Median: -0.06%

#155 of 1070 Top 14.4% in 100M-500M tier

215

Net Interest Margin (NIM)

profitability

Value: 4.13%

Peer Median: 3.62%

#215 of 1070 Top 20.0% in 100M-500M tier

230

Loan-to-Share Ratio

balance_sheet

Value: 84.81%

Peer Median: 71.88%

#230 of 1070 Top 21.4% in 100M-500M tier

250

Net Worth Ratio

risk

Value: 13.78%

Peer Median: 11.45%

#250 of 1070 Top 23.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1006

Total Delinquency Rate (60+ days)

risk

Value: 1.89%

Peer Median: 0.61%

#1006 of 1070 Bottom 6.1% in 100M-500M tier

989

Return on Assets (ROA)

profitability

Value: -0.01%

Peer Median: 0.69%

#989 of 1070 Bottom 7.7% in 100M-500M tier

952

Net Charge-Off Rate

risk

Value: 1.04%

Peer Median: 0.35%

#952 of 1070 Bottom 11.1% in 100M-500M tier

932

Average Member Relationship (AMR)

engagement

Value: $16,033

Peer Median: $22,931

#932 of 1070 Bottom 13.0% in 100M-500M tier

898

Share Certificate Concentration (%)

balance_sheet

Value: 34.49%

Peer Median: 23.10%

#898 of 1070 Bottom 16.2% in 100M-500M tier