BlastPoint's Credit Union Scorecard

PACIFIC SERVICE

Charter #68413 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

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PACIFIC SERVICE has 3 strengths but faces 8 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

+ Emerging Performer: Top 60.8% in tier
+ Net Interest Margin 0.32% above tier average
+ Net Worth Ratio: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 56.8% in tier
- Indirect Auto Dependency: Bottom 89.5% in tier
- Shrinking Wallet Share: Bottom 91.6% in tier
- Deposit Outflow: Bottom 93.7% in tier
- ROA 0.16% below tier average
- Efficiency ratio 3.94% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 7.5% in tier
- AMR Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	70,972 +2.1% YoY+0.3% QoQ	-25.1K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	29%
Assets	$1.3B -0.8% YoY+1.7% QoQ	$-374.2M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	35%
Loans	$977.4M +0.3% YoY-0.6% QoQ	$-236.3M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	36%
Deposits	$1.1B -2.4% YoY+2.0% QoQ	$-343.6M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	31%

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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	0.6% +35.8% YoY-7.1% QoQ	-0.2%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	40%
NIM	3.7% +9.7% YoY+1.3% QoQ	+0.3%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	78.6% -2.3% YoY+3.3% QoQ	+3.9%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	0.4% +1.6% YoY-4.4% QoQ	-0.3	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	30%
Loan To Share	87.1% +2.8% YoY-2.5% QoQ	+3.9%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	56%
AMR	$29,580 -3.2% YoY+0.5% QoQ	$-72	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	60%
CD Concentration	25.5% -7.8% YoY-4.8% QoQ	-3.3%	28.8%	21.6%	19.8%	37%
Indirect Auto %	20.0% +0.3% YoY+0.8% QoQ	+1.9%	18.1%	9.0%	7.7%	61%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#77 of 79 • Top 60.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.56%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.07%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#33 of 82 • Bottom 91.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.17%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY

Deposit Outflow

decline

#15 of 23 • Bottom 93.7% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.41%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 2.07%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

23 of 384 Mid-Market CUs have this signature | 98 nationally

→ No prior data (23 CUs now) | New qualifier

Indirect Auto Dependency

risk

#188 of 198 • Bottom 89.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.82%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 19.99%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.07%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#216 of 225 • Bottom 56.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (2 metrics)

Net Worth Ratio

risk

Value: 15.09%

Peer Median: 10.85%

#28 of 306 Top 8.8% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 470.013

Peer Median: 345.077

#32 of 306 Top 10.1% in 1B-3B tier

Top Weaknesses (5 metrics)

284

Deposit Growth Rate

growth

Value: -2.41%

Peer Median: 4.44%

#284 of 306 Bottom 7.5% in 1B-3B tier

281

AMR Growth Rate

growth

Value: -3.17%

Peer Median: 3.15%

#281 of 306 Bottom 8.5% in 1B-3B tier

272

Asset Growth Rate

growth

Value: -0.82%

Peer Median: 4.82%

#272 of 306 Bottom 11.4% in 1B-3B tier

263

Fee Income Per Member

profitability

Value: $132.33

Peer Median: $191.54

#263 of 306 Bottom 14.4% in 1B-3B tier

242

Loan Growth Rate

growth

Value: 0.31%

Peer Median: 5.67%

#242 of 306 Bottom 21.2% in 1B-3B tier