BlastPoint's Credit Union Scorecard
PACIFIC SERVICE
Charter #68413 · CA
PACIFIC SERVICE has 5 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
- + Organic Growth Leader: Top 70.2% in tier
- + Organic Growth Engine: Top 82.1% in tier
- + Emerging Performer: Top 89.5% in tier
- + Net Interest Margin 0.36% above tier average
- + Net Worth Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 38.5% in tier
- - Deposit Outflow: Bottom 83.3% in tier
- - Indirect Auto Dependency: Bottom 99.0% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 2.01% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 5.0% in tier
- - Deposit Growth Rate: Bottom 7.0% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,779
+2.2% YoY+0.4% QoQ
|
-26.7K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$1.3B
-4.0% YoY+0.5% QoQ
|
$-400.2M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$983.2M
-0.3% YoY-0.2% QoQ
|
$-251.3M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$1.1B
-2.7% YoY+0.1% QoQ
|
$-358.9M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.6%
+44.0% YoY+37.6% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
3.6%
+17.0% YoY+0.9% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
76.1%
-7.8% YoY-5.3% QoQ
|
+2.0% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.5%
-10.9% YoY-13.0% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
89.3%
+2.4% YoY-0.2% QoQ
|
+4.6% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$29,438
-3.7% YoY-0.4% QoQ
|
+$9 |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
26.8%
+1.5% YoY-1.5% QoQ
|
-2.3% | 29.0% | 21.7% | 19.8% | 40% |
| Indirect Auto % |
19.8%
-1.5% YoY-1.5% QoQ
|
+1.5% | 18.3% | 9.2% | 7.8% | 58% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)