BlastPoint's Credit Union Scorecard

VENTURA COUNTY

Charter #68458 · CA

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 39 in CA
View Mid-Market leaderboard →

VENTURA COUNTY has 5 strengths but faces 1 concern

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 13.6% in tier
  • + Organic Growth Engine: Top 48.2% in tier
  • + Organic Growth Leader: Top 48.2% in tier
  • + ROA 0.55% above tier average
  • + Net Interest Margin 0.46% above tier average

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.23% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 78,925
+2.3% YoY+0.9% QoQ
 -17.1K 96,048
-2.7% YoY
 57,202
-0.9% YoY
 33,913
+5.7% YoY
 41%
Assets $1.5B
+1.5% YoY+1.5% QoQ
 $-252.3M $1.7B
+0.4% YoY
 $1.2B
+0.4% YoY
 $578.3M
+9.0% YoY
 44%
Loans $1.0B
+7.5% YoY+0.6% QoQ
 $-200.9M $1.2B
+0.2% YoY
 $813.8M
+0.1% YoY
 $402.4M
+8.7% YoY
 40%
Deposits $1.3B
+0.5% YoY+1.4% QoQ
 $-162.5M $1.5B
+0.5% YoY
 $1.0B
+1.2% YoY
 $494.3M
+9.1% YoY
 50%

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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 1.3%
+24.2% YoY+56.7% QoQ
 +0.6% 0.7%
+27.6% YoY
 2.1%
+290.7% YoY
 0.4%
-39.2% YoY
 Top 13.1% in tier
NIM 3.8%
+13.6% YoY+6.4% QoQ
 +0.5% 3.4%
+6.2% YoY
 5.0%
+56.5% YoY
 3.8%
+4.1% YoY
 80%
Efficiency Ratio 67.9%
+0.7% YoY-5.3% QoQ
 -6.7% 74.6%
-3.0% YoY
 81.3%
-2.7% YoY
 84.6%
+2.8% YoY
 23%
Delinquency Rate 1.0%
-29.2% YoY-44.5% QoQ
 +0.2 0.8%
+6.9% YoY
 0.6%
-45.1% YoY
 1.2%
+3.4% YoY
 78%
Loan To Share 77.7%
+7.0% YoY-0.8% QoQ
 -5.5% 83.2%
-0.4% YoY
 67.3%
-0.6% YoY
 65.6%
-1.4% YoY
 29%
AMR $29,343
+1.1% YoY+0.1% QoQ
 $-309 $29,652
+2.3% YoY
 $28,733
+1.2% YoY
 $19,920
+1.6% YoY
 58%
CD Concentration 32.1%
+2.2% YoY-3.1% QoQ
 +3.3% 28.8% 21.6% 19.8% 66%
Indirect Auto % 0.0% -18.1% 18.1% 9.0% 7.7% Top 11.2% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#32 of 115 • Top 48.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.31%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 1.27%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Emerging Performer

growth
#39 of 79 • Top 13.6% 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: 1.27%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 2.31%
(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

Organic Growth Leader

growth
#82 of 116 • Top 48.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.31%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Concerns (0)

No concerns identified

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)

Comparing against 306 peers in tier

Top Strengths (4 metrics)

39
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 13.86%
#39 of 306 Top 12.4% in 1B-3B tier
40
Return on Assets (ROA)
profitability
Value: 1.27%
Peer Median: 0.66%
#40 of 306 Top 12.7% in 1B-3B tier
62
Net Interest Margin (NIM)
profitability
Value: 3.81%
Peer Median: 3.37%
#62 of 306 Top 19.9% in 1B-3B tier
71
Efficiency Ratio
profitability
Value: 67.88%
Peer Median: 75.16%
#71 of 306 Top 22.9% in 1B-3B tier

Top Weaknesses (4 metrics)

258
Deposit Growth Rate
growth
Value: 0.45%
Peer Median: 4.44%
#258 of 306 Bottom 16.0% in 1B-3B tier
253
Fee Income Per Member
profitability
Value: $140.74
Peer Median: $191.54
#253 of 306 Bottom 17.6% in 1B-3B tier
250
Asset Growth Rate
growth
Value: 1.52%
Peer Median: 4.82%
#250 of 306 Bottom 18.6% in 1B-3B tier
238
Total Delinquency Rate (60+ days)
risk
Value: 0.99%
Peer Median: 0.63%
#238 of 306 Bottom 22.5% in 1B-3B tier
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