BlastPoint's Credit Union Scorecard

ORANGE COUNTY'S

Charter #68416 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

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ORANGE COUNTY'S has 6 strengths but faces 3 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

+ Organic Growth Engine: Top 18.4% in tier
+ Organic Growth Leader: Top 20.7% in tier
+ ROA 0.14% above tier average
+ Total Loans: Top 2.3% in tier
+ Total Assets: Top 3.3% in tier
+ Total Deposits: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 15.8% in tier
- Credit Quality Pressure: Bottom 20.5% in tier
- Liquidity Strain: Bottom 21.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	142,578 +2.9% YoY+0.6% QoQ	+43.9K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	84%
Assets	$2.9B +5.0% YoY+1.6% QoQ	+$1.1B	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	Top 3.6% in tier
Loans	$2.2B +9.4% YoY+0.8% QoQ	+$978.6M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Top 2.6% in tier
Deposits	$2.4B +5.6% YoY+1.5% QoQ	+$924.1M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	Top 3.9% in tier

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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	0.8% +79.1% YoY+8.5% QoQ	+0.1%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	66%
NIM	3.1% +20.5% YoY+1.0% QoQ	-0.2%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	33%
Efficiency Ratio	67.7% -13.5% YoY+1.4% QoQ	-6.3%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	25%
Delinquency Rate	0.6% +11.2% YoY+1.9% QoQ	-0.3	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	36%
Loan To Share	93.0% +3.6% YoY-0.7% QoQ	+7.8%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	67%
AMR	$32,193 +4.4% YoY+0.6% QoQ	+$3K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	74%
CD Concentration	36.6% +7.1% YoY+3.7% QoQ	+7.6%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	82%
Indirect Auto %	14.4% +18.1% YoY-2.6% QoQ	-4.4%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	45%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#134 of 246 • Top 18.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.86%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.84%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 14.38%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth

#82 of 138 • Top 20.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.86%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 14.38%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#89 of 161 • Bottom 15.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.37%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk

#158 of 217 • Bottom 20.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Strain

risk

#112 of 183 • Bottom 21.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.99%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 9.37%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | New qualifier

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 304 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $2.21B

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.86B

Peer Avg: -

#11 of 304 Top 3.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.38B

Peer Avg: -

#12 of 304 Top 3.6% in 1B-3B tier

Total Members

engagement

Value: 142,578

Peer Avg: -

#47 of 304 Top 15.1% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,512

Peer Avg: -

#65 of 304 Top 21.1% in 1B-3B tier

Loan Growth Rate

growth

Value: 9.37%

Peer Avg: -

#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (1 metrics)

256

Share Certificate Concentration (%)

balance_sheet

Value: 36.57%

Peer Avg: -

#256 of 304 Bottom 16.1% in 1B-3B tier