BlastPoint's Credit Union Scorecard
SAFE
Charter #68366 · CA
SAFE has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 47.1% in tier
- + Strong member growth: 5.2% YoY
- + Share Certificate Concentration (%): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 33.3% in tier
- - Flatlined Growth: Bottom 36.4% in tier
- - Credit Quality Pressure: Bottom 54.8% in tier
- - Indirect Auto Dependency: Bottom 96.4% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 5.86% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
245,905
+5.2% YoY+0.7% QoQ
|
+15.6K |
230,353
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$4.4B
+1.9% YoY+0.6% QoQ
|
+$462.2M |
$3.9B
+0.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$3.2B
+0.3% YoY+2.3% QoQ
|
+$215.7M |
$2.9B
-0.2% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$3.9B
+0.8% YoY+0.5% QoQ
|
+$635.8M |
$3.3B
-0.3% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 11.8% in tier |
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 |
0.6%
+18.2% YoY+0.1% QoQ
|
-0.1% |
0.7%
+16.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
2.6%
+15.3% YoY+2.4% QoQ
|
-0.5% |
3.1%
+9.8% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
77.3%
-4.3% YoY+0.4% QoQ
|
+5.9% |
71.4%
-1.4% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.5%
+27.3% YoY+27.4% QoQ
|
-0.3 |
0.9%
+5.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
79.8%
-0.5% YoY+1.8% QoQ
|
-9.1% |
88.9%
-0.2% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$28,863
-4.4% YoY+0.6% QoQ
|
$-820 |
$29,682
+1.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
19.5%
-6.1% YoY-1.2% QoQ
|
-9.5% | 29.0% | 21.7% | 19.8% | Bottom 12.5% in tier |
| Indirect Auto % |
21.6%
-4.1% YoY+5.2% QoQ
|
+3.3% | 18.3% | 9.2% | 7.8% | 63% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)