BlastPoint's Credit Union Scorecard

CREDIT UNION OF SOUTHERN CALIFORNIA

Charter #68456 · CA

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 10 in CA

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CREDIT UNION OF SOUTHERN CALIFORNIA has 9 strengths but faces 4 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 0.4% in tier
+ Organic Growth Leader: Top 1.0% in tier
+ Wallet Share Momentum: Top 45.2% in tier
+ ROA 0.20% above tier average
+ Strong member growth: 18.6% YoY
+ Loan Growth Rate: Top 3.9% in tier
+ Deposit Growth Rate: Top 3.9% in tier
+ Member Growth Rate: Top 5.3% in tier
+ Indirect Auto Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 10.7% in tier
- Margin Compression: Bottom 13.4% in tier
- Total Loans: Bottom 3.9% in tier
- Loan-to-Share Ratio: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	183,092 +18.6% YoY+2.0% QoQ	-55.4K	238,465 +0.6% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	30%
Assets	$3.6B +6.7% YoY+3.9% QoQ	$-325.5M	$4.0B -0.1% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	34%
Loans	$2.1B +24.0% YoY+0.4% QoQ	$-946.7M	$3.0B +3.3% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 2.6% in tier
Deposits	$3.0B +31.5% YoY+3.9% QoQ	$-354.5M	$3.3B +1.1% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	28%

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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	0.9% -18.4% YoY+5.2% QoQ	+0.2%	0.7% +5.3% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	63%
NIM	3.1% +20.2% YoY+1.2% QoQ	-0.1%	3.2% +13.7% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	43%
Efficiency Ratio	70.9% +13.5% YoY-1.3% QoQ	-0.4%	71.3% -0.6% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	54%
Delinquency Rate	0.5% -4.7% YoY+4.5% QoQ	-0.3	0.8% +15.9% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	41%
Loan To Share	69.6% -5.7% YoY-3.4% QoQ	-21.3%	90.8% +2.0% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Bottom 6.6% in tier
AMR	$27,587 +8.2% YoY+0.5% QoQ	$-2K	$29,088 +0.1% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	43%
CD Concentration	26.0% +30.7% YoY+19.3% QoQ	-3.0%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	38%
Indirect Auto %	0.3% -58.2% YoY-14.6% QoQ	-18.5%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	Bottom 14.2% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#4 of 246 • Top 0.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 18.63%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.94%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.29%

(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 | New qualifier

Organic Growth Leader

growth

#5 of 138 • Top 1.0% in tier

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

Why This Signature

Member Growth (YoY): 18.63%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.29%

(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 | New qualifier

Wallet Share Momentum

growth

#53 of 116 • Top 45.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.19%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (2)

Cost Spiral

risk

#7 of 14 • Bottom 10.7% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 8.42% points

(Tier: -7.46% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 40.05%

(Tier: 51.53%, National: 63.68%)

but better than tier avg

14 of 380 Mid-Market CUs have this signature | 80 nationally

→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

Margin Compression

decline

#12 of 24 • Bottom 13.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.94%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.16%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 169 nationally

↓ Shrinking -16 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 76 peers in tier

Top Strengths (6 metrics)

Loan Growth Rate

growth

Value: 24.00%

Peer Avg: -

#4 of 76 Top 3.9% in 3B-5B tier

Deposit Growth Rate

growth

Value: 31.54%

Peer Avg: -

#4 of 76 Top 3.9% in 3B-5B tier

Member Growth Rate

growth

Value: 18.63%

Peer Avg: -

#5 of 76 Top 5.3% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.29%

Peer Avg: -

#7 of 76 Top 7.9% in 3B-5B tier

AMR Growth Rate

growth

Value: 8.19%

Peer Avg: -

#9 of 76 Top 10.5% in 3B-5B tier

Fee Income Per Member

profitability

Value: $257.41

Peer Avg: -

#12 of 76 Top 14.5% in 3B-5B tier

Top Weaknesses (2 metrics)

Total Loans

balance_sheet

Value: $2.07B

Peer Avg: -

#74 of 76 Bottom 3.9% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 69.57%

Peer Avg: -

#71 of 76 Bottom 7.9% in 3B-5B tier