BlastPoint's Credit Union Scorecard

TECHNOLOGY

Charter #68383 · CA

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 8 in CA

View Mid-Market leaderboard →

TECHNOLOGY has 5 strengths but faces 12 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

+ Relationship Depth Leader: Top 7.8% in tier
+ Wallet Share Momentum: Top 9.8% in tier
+ AMR Growth Rate: Top 1.3% in tier
+ Loan-to-Member Ratio (LMR): Top 7.9% in tier
+ Average Member Relationship (AMR): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 4.8% in tier
- Stagnation Risk: Bottom 31.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Efficiency Drag: Bottom 66.3% in tier
- Liquidity Strain: Bottom 89.1% in tier
- ROA 0.69% below tier average
- Efficiency ratio 10.57% above tier (higher cost structure)
- Member decline: -13.5% YoY
- Member Growth Rate: Bottom 2.6% in tier
- Fee Income Per Member: Bottom 5.3% in tier
- Deposit Growth Rate: Bottom 7.9% in tier
- Net Interest Margin (NIM): Bottom 9.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	173,969 -13.5% YoY-4.0% QoQ	-56.4K	230,353 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	21%
Assets	$4.6B -2.5% YoY+2.5% QoQ	+$706.0M	$3.9B +0.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Top 14.5% in tier
Loans	$3.4B +3.5% YoY+1.0% QoQ	+$486.6M	$2.9B -0.2% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	79%
Deposits	$3.7B -4.4% YoY+3.0% QoQ	+$419.0M	$3.3B -0.3% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	78%

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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	0.0% +55.6% YoY+62.4% QoQ	-0.7%	0.7% +16.8% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 6.6% in tier
NIM	2.3% +9.1% YoY+1.0% QoQ	-0.8%	3.1% +9.8% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 7.9% in tier
Efficiency Ratio	82.0% +3.6% YoY+0.6% QoQ	+10.6%	71.4% -1.4% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 13.2% in tier
Delinquency Rate	0.6% -16.7% YoY+15.7% QoQ	-0.2	0.9% +5.8% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	49%
Loan To Share	91.7% +8.2% YoY-2.0% QoQ	+2.8%	88.9% -0.2% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	51%
AMR	$41,108 +14.7% YoY+6.2% QoQ	+$11K	$29,682 +1.5% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 10.5% in tier
CD Concentration	38.4% -2.5% YoY-5.1% QoQ	+9.3%	29.0%	21.7%	19.8%	85%
Indirect Auto %	5.2% +110.8% YoY-4.3% QoQ	-13.2%	18.3%	9.2%	7.8%	24%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#6 of 65 • Top 7.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 14.71%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#13 of 123 • Top 9.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 14.71%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#5 of 85 • Bottom 4.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -13.51%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Stagnation Risk

risk

#27 of 85 • Bottom 31.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -13.51%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.47%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.63%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Capital Constraint

risk

#4 of 7 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 91.74%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -4.40%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 11.21%

(Tier: 11.27%, National: 14.49%)

worse than tier avg

7 of 378 Mid-Market CUs have this signature | 32 nationally

→ No prior data (7 CUs now) | New qualifier

Efficiency Drag

risk

#60 of 90 • Bottom 66.3% in tier

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

Why This Signature

Efficiency Ratio: 81.98%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -13.51%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | New qualifier

Liquidity Strain

risk

#148 of 166 • Bottom 89.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.74%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.47%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 76 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 14.71%

Peer Median: -

#2 of 76 Top 1.3% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,669

Peer Median: -

#7 of 76 Top 7.9% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $41,108

Peer Median: -

#8 of 76 Top 9.2% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.65B

Peer Median: -

#11 of 76 Top 13.2% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 5.15%

Peer Median: -

#13 of 76 Top 15.8% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.42B

Peer Median: -

#16 of 76 Top 19.7% in 3B-5B tier

Total Deposits

balance_sheet

Value: $3.73B

Peer Median: -

#17 of 76 Top 21.1% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 494.230

Peer Median: -

#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (9 metrics)

Member Growth Rate

growth

Value: -13.51%

Peer Median: -

#75 of 76 Bottom 2.6% in 3B-5B tier

Fee Income Per Member

profitability

Value: $69.27

Peer Median: -

#73 of 76 Bottom 5.3% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Median: -

#71 of 76 Bottom 7.9% in 3B-5B tier

Deposit Growth Rate

growth

Value: -4.40%

Peer Median: -

#71 of 76 Bottom 7.9% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.33%

Peer Median: -

#70 of 76 Bottom 9.2% in 3B-5B tier

Asset Growth Rate

growth

Value: -2.55%

Peer Median: -

#69 of 76 Bottom 10.5% in 3B-5B tier

Efficiency Ratio

profitability

Value: 81.98%

Peer Median: -

#67 of 76 Bottom 13.2% in 3B-5B tier

Total Members

engagement

Value: 173,969

Peer Median: -

#60 of 76 Bottom 22.4% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 38.36%

Peer Median: -

#58 of 76 Bottom 25.0% in 3B-5B tier