BlastPoint's Credit Union Scorecard

SAFE

Charter #68366 · CA

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 11 in CA

View Mid-Market leaderboard →

SAFE has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.19% above tier average
+ Total Deposits: Top 9.0% in tier
+ Share Certificate Concentration (%): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 28.9% in tier
- Credit Risk Growth: Bottom 65.8% in tier
- Indirect Auto Dependency: Bottom 86.8% in tier
- Deposit Outflow: Bottom 91.3% in tier
- Efficiency ratio 1.01% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	246,385 +1.0% YoY+0.2% QoQ	+25.9K	220,435 -7.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	69%
Assets	$4.5B +0.3% YoY+1.1% QoQ	+$536.0M	$3.9B -1.5% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	77%
Loans	$3.2B +3.0% YoY+1.2% QoQ	+$294.5M	$2.9B -1.1% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	67%
Deposits	$4.0B -1.1% YoY+1.1% QoQ	+$692.8M	$3.3B -2.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 10.3% 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	0.9% +56.8% YoY+42.7% QoQ	+0.2%	0.7% +10.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	62%
NIM	2.9% +17.1% YoY+8.2% QoQ	-0.3%	3.2% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	72.3% -6.4% YoY-6.4% QoQ	+1.0%	71.3% -2.6% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.4% +40.2% YoY-22.1% QoQ	-0.3	0.7% +9.2% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	31%
Loan To Share	79.9% +4.1% YoY+0.0% QoQ	-8.1%	88.0% +0.9% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	22%
AMR	$29,134 -0.3% YoY+0.9% QoQ	$-2K	$30,672 +5.5% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	51%
CD Concentration	19.0% -8.1% YoY-2.8% QoQ	-9.9%	28.8%	21.6%	19.8%	Bottom 11.5% in tier
Indirect Auto %	22.5% +2.9% YoY+4.1% QoQ	+4.5%	18.1%	9.0%	7.7%	66%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#110 of 225 • Bottom 28.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Deposit Outflow

decline

#14 of 23 • Bottom 91.3% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.05%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.03%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

23 of 384 Mid-Market CUs have this signature | 98 nationally

→ No prior data (23 CUs now) | New qualifier

Credit Risk Growth

risk

#137 of 183 • Bottom 65.8% in tier

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

Why This Signature

Loan Growth (YoY): 2.99%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#173 of 198 • Bottom 86.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.29%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 22.52%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.03%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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 78 peers in tier

Top Strengths (5 metrics)

Total Deposits

balance_sheet

Value: $3.99B

Peer Median: $3.34B

#8 of 78 Top 9.0% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.97%

Peer Median: 31.76%

#8 of 78 Top 9.0% in 3B-5B tier

Fee Income Per Member

profitability

Value: $262.22

Peer Median: $175.66

#9 of 78 Top 10.3% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.45B

Peer Median: $3.94B

#18 of 78 Top 21.8% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.31%

Peer Median: 0.46%

#19 of 78 Top 23.1% in 3B-5B tier

Top Weaknesses (5 metrics)

Deposit Growth Rate

growth

Value: -1.05%

Peer Median: 5.31%

#68 of 78 Bottom 14.1% in 3B-5B tier

Asset Growth Rate

growth

Value: 0.29%

Peer Median: 5.44%

#67 of 78 Bottom 15.4% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 51.00%

Peer Median: 32.80%

#66 of 78 Bottom 16.7% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: 3.23%

#61 of 78 Bottom 23.1% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 79.87%

Peer Median: 90.65%

#61 of 78 Bottom 23.1% in 3B-5B tier