BlastPoint's Credit Union Scorecard
CABRILLO
Charter #68409 · CA
CABRILLO has 8 strengths but faces 5 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 1.7% in tier
- + Wallet Share Momentum: Top 1.7% in tier
- + Organic Growth Leader: Top 10.4% in tier
- + Organic Growth Engine: Top 10.4% in tier
- + Net Interest Margin 0.40% above tier average
- + Strong member growth: 5.1% YoY
- + Loan Growth Rate: Top 0.6% in tier
- + AMR Growth Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.6% in tier
- - Credit Quality Pressure: Bottom 8.5% in tier
- - Efficiency Drag: Bottom 36.3% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 3.80% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,062
+5.1% YoY+0.4% QoQ
|
-9.0K |
38,079
-4.8% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$571.8M
+12.6% YoY+0.2% QoQ
|
$-47.9M |
$619.7M
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$401.7M
+47.9% YoY+7.5% QoQ
|
$-17.6M |
$419.3M
-1.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$511.8M
+12.6% YoY-0.2% QoQ
|
$-27.7M |
$539.5M
-0.1% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
0.4%
-15.1% YoY-33.7% QoQ
|
-0.2% |
0.7%
+36.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
3.9%
+3.6% YoY+15.0% QoQ
|
+0.4% |
3.5%
+4.5% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
82.2%
+8.4% YoY+10.9% QoQ
|
+3.8% |
78.4%
-3.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
0.7%
+319.0% YoY-11.3% QoQ
|
+0.0 |
0.7%
-0.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
78.5%
+31.4% YoY+7.7% QoQ
|
+0.8% |
77.7%
-1.2% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$31,431
+19.7% YoY+2.6% QoQ
|
+$5K |
$26,927
+3.1% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
78% |
| CD Concentration |
30.5%
+18.9% YoY+1.3% QoQ
|
+6.2% | 24.3% | 21.6% | 19.8% | 72% |
| Indirect Auto % |
2.5%
-40.2% YoY-10.7% QoQ
|
-11.3% | 13.8% | 9.0% | 7.7% | 40% |
Signature Analysis
Strengths (4)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)