BlastPoint's Credit Union Scorecard
TECHNOLOGY
Charter #68383 · CA
TECHNOLOGY has 3 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 3.8% in tier
- + Wallet Share Momentum: Top 3.8% in tier
- + AMR Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34.4% in tier
- - Membership Headwinds: Bottom 98.9% in tier
- - Stagnation Risk: Bottom 98.9% in tier
- - ROA 0.83% below tier average
- - Efficiency ratio 8.49% above tier (higher cost structure)
- - Member decline: -14.6% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Member Growth Rate: Bottom 5.2% in tier
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 ($3.65B in shares and deposits).
- Membership: 172,314 members, -14.6% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.11%.
- Efficiency ratio 77.95% vs a 69.45% peer average.
- Loan-to-share ratio 93.17% 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 |
172,314
-14.6% YoY-1.4% QoQ
|
-44.2K |
216,545
-9.5% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$4.5B
-0.7% YoY-2.5% QoQ
|
+$636.2M |
$3.9B
-1.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$3.4B
-0.1% YoY-1.0% QoQ
|
+$465.4M |
$2.9B
-1.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$3.6B
-0.7% YoY-3.1% QoQ
|
+$388.4M |
$3.3B
-2.6% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.1%
-264.2% YoY-5.1% QoQ
|
-0.8% |
0.9%
+25.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.6% in tier |
| NIM |
2.5%
+14.7% YoY+2.1% QoQ
|
-0.7% |
3.2%
+3.8% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
77.9%
-4.8% YoY-0.9% QoQ
|
+8.5% |
69.5%
-2.3% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
0.6%
-7.7% YoY+6.0% QoQ
|
-0.3 |
0.8%
+5.5% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
93.2%
+0.7% YoY+2.2% QoQ
|
+2.9% |
90.2%
+0.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$40,868
+16.7% YoY-0.7% QoQ
|
+$10K |
$31,018
+6.9% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 13.0% in tier |
| CD Concentration |
38.8%
-4.1% YoY+2.3% QoQ
|
+9.7% | 29.1% | 22.2% | 20.0% | Top 12.8% in tier |
| Indirect Auto % |
5.3%
-8.7% YoY-0.4% QoQ
|
-12.8% | 18.1% | 9.2% | 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)