BlastPoint's Credit Union Scorecard
TRAVIS
Charter #68429 · CA
TRAVIS has 2 strengths but faces 4 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
- + Emerging Performer: Top 68.2% in tier
- + Strong member growth: 5.1% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 32.8% in tier
- - Liquidity Strain: Bottom 36.4% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 1.62% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 6 that size in California.
- Shares and deposits +5.9% year over year ($4.76B in shares and deposits).
- Membership: 274,331 members, +5.1% vs a year ago.
- Delinquency rate 0.67%.
- Return on assets 0.76%.
- Efficiency ratio 66.80% vs a 65.18% peer average.
- Loan-to-share ratio 92.05% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
274,331
+5.1% YoY+1.1% QoQ
|
-36.6K |
310,918
+6.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$5.9B
+8.5% YoY+2.9% QoQ
|
+$63.7M |
$5.8B
-1.1% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$4.4B
+4.7% YoY+1.0% QoQ
|
+$182.6M |
$4.2B
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$4.8B
+5.9% YoY+0.6% QoQ
|
$-133.8M |
$4.9B
-1.3% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.8%
+80.2% YoY+0.6% QoQ
|
-0.2% |
0.9%
+35.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
3.2%
+7.5% YoY+1.0% QoQ
|
+0.0% |
3.2%
+9.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
66.8%
-8.0% YoY+1.6% QoQ
|
+1.6% |
65.2%
-9.0% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.7%
-4.7% YoY+3.3% QoQ
|
-0.1 |
0.8%
+23.8% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
92.1%
-1.1% YoY+0.5% QoQ
|
+6.4% |
85.6%
-0.2% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$33,332
+0.1% YoY-0.3% QoQ
|
+$1K |
$32,010
-7.3% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
21.3%
-5.0% YoY-1.7% QoQ
|
-7.0% | 28.3% | 22.2% | 20.0% | 21% |
| Indirect Auto % |
27.4%
-17.3% YoY-5.0% QoQ
|
+10.6% | 16.8% | 9.2% | 7.7% | 79% |
Signature Analysis
Strengths (1)
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 (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)