BlastPoint's Credit Union Scorecard
SAFE
Charter #68366 · CA
SAFE has 2 strengths but faces 6 concerns
How does the industry compare?
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 6.5% in tier
- + Total Deposits: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 52.2% in tier
- - Credit Risk Growth: Bottom 69.4% in tier
- - Flatlined Growth: Bottom 86.0% in tier
- - Indirect Auto Dependency: Bottom 86.0% in tier
- - Deposit Outflow: Bottom 90.1% in tier
- - Efficiency ratio 3.06% above tier (higher cost structure)
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 11 that size in California.
- Shares and deposits -0.7% year over year ($3.94B in shares and deposits).
- Membership: 245,942 members, +0.9% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.97%.
- Efficiency ratio 72.52% vs a 69.45% peer average.
- Loan-to-share ratio 79.94% vs a 90.24% 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 |
245,942
+0.9% YoY-0.2% QoQ
|
+29.4K |
216,545
-9.5% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
71% |
| Assets |
$4.4B
+0.4% YoY-0.8% QoQ
|
+$515.7M |
$3.9B
-1.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$3.1B
+2.6% YoY-1.3% QoQ
|
+$216.1M |
$2.9B
-1.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$3.9B
-0.7% YoY-1.3% QoQ
|
+$679.8M |
$3.3B
-2.6% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 10.4% in tier |
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| ROA |
1.0%
+40.4% YoY+4.3% QoQ
|
+0.0% |
0.9%
+25.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
2.9%
+17.8% YoY+2.7% QoQ
|
-0.3% |
3.2%
+3.8% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
72.5%
-4.9% YoY+0.3% QoQ
|
+3.1% |
69.5%
-2.3% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.5%
+6.3% YoY+24.5% QoQ
|
-0.3 |
0.8%
+5.5% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
79.9%
+3.4% YoY+0.1% QoQ
|
-10.3% |
90.2%
+0.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$28,805
-0.2% YoY-1.1% QoQ
|
$-2K |
$31,018
+6.9% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
18.7%
-6.6% YoY-1.3% QoQ
|
-10.4% | 29.1% | 22.2% | 20.0% | Bottom 11.2% in tier |
| Indirect Auto % |
21.6%
+1.7% YoY-4.1% QoQ
|
+3.5% | 18.1% | 9.2% | 7.7% | 64% |
Signature Analysis
Strengths (0)
Concerns (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)