BlastPoint's Credit Union Scorecard
TECHNOLOGY
Charter #68383 · CA
TECHNOLOGY has 4 strengths but faces 8 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
- + Relationship Depth Leader: Top 3.4% in tier
- + Wallet Share Momentum: Top 3.4% in tier
- + AMR Growth Rate: Top 3.8% in tier
- + Average Member Relationship (AMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.9% in tier
- - Membership Headwinds: Bottom 98.7% in tier
- - Stagnation Risk: Bottom 98.7% in tier
- - ROA 0.62% below tier average
- - Efficiency ratio 7.41% above tier (higher cost structure)
- - Member decline: -13.3% YoY
- - Fee Income Per Member: Bottom 3.8% in tier
- - Member Growth Rate: Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
174,822
-13.3% YoY+0.5% QoQ
|
-45.6K |
220,435
-7.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$4.7B
-0.1% YoY+0.2% QoQ
|
+$739.6M |
$3.9B
-1.5% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
85% |
| Loans |
$3.4B
+4.1% YoY+0.3% QoQ
|
+$537.5M |
$2.9B
-1.1% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$3.8B
-0.6% YoY+0.9% QoQ
|
+$464.6M |
$3.3B
-2.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
0.1%
-275.9% YoY
|
-0.6% |
0.7%
+10.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.7% in tier |
| NIM |
2.5%
+19.6% YoY+6.7% QoQ
|
-0.7% |
3.2%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio |
78.7%
-7.1% YoY-4.0% QoQ
|
+7.4% |
71.3%
-2.6% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate |
0.5%
-8.4% YoY-14.2% QoQ
|
-0.2 |
0.7%
+9.2% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
50% |
| Loan To Share |
91.2%
+4.8% YoY-0.6% QoQ
|
+3.2% |
88.0%
+0.9% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$41,145
+17.2% YoY+0.1% QoQ
|
+$10K |
$30,672
+5.5% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 10.3% in tier |
| CD Concentration |
37.9%
-3.7% YoY-1.3% QoQ
|
+9.0% | 28.8% | 21.6% | 19.8% | Top 14.4% in tier |
| Indirect Auto % |
5.3%
+55.9% YoY+2.5% QoQ
|
-12.8% | 18.1% | 9.0% | 7.7% | 25% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)