BlastPoint's Credit Union Scorecard
PACIFIC SERVICE
Charter #68413 · CA
PACIFIC SERVICE has 3 strengths but faces 11 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 31.3% in tier
- + Net Interest Margin 0.34% above tier average
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 7.3% in tier
- - Capital Constraint: Bottom 15.2% in tier
- - Efficiency Drag: Bottom 21.0% in tier
- - Credit Quality Pressure: Bottom 22.0% in tier
- - Indirect Auto Dependency: Bottom 32.0% in tier
- - Deposit Outflow: Bottom 47.8% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 6.34% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
- - AMR Growth Rate: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,503
+1.9% YoY+1.0% QoQ
|
-28.2K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$1.3B
-8.5% YoY-0.5% QoQ
|
$-402.5M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$984.9M
-1.2% YoY+0.4% QoQ
|
$-248.2M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$1.1B
-4.3% YoY-0.9% QoQ
|
$-354.5M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
31% |
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 |
0.4%
+35.0% YoY-0.7% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
3.6%
+20.0% YoY+2.9% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
80.3%
-5.4% YoY-0.1% QoQ
|
+6.3% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.5%
+9.6% YoY+9.8% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
89.5%
+3.3% YoY+1.2% QoQ
|
+4.4% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$29,569
-4.6% YoY-1.3% QoQ
|
+$397 |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
27.2%
-2.2% YoY-1.9% QoQ
|
-1.8% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
44% |
| Indirect Auto % |
20.1%
-3.9% YoY+0.0% QoQ
|
+1.4% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
57% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)