BlastPoint's Credit Union Scorecard
USC
Charter #68459 · CA
USC has 8 strengths but faces 5 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
- + Organic Growth Leader: Top 18.3% in tier
- + Organic Growth Engine: Top 18.3% in tier
- + Net Interest Margin 0.10% above tier average
- + Total Members: Top 0.6% in tier
- + Members Per Employee (MPE): Top 0.6% in tier
- + Total Assets: Top 3.0% in tier
- + Total Loans: Top 4.2% in tier
- + Total Deposits: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.7% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 0.57% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 4.2% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in California.
- Shares and deposits +3.1% year over year ($638M in shares and deposits).
- Membership: 73,864 members, +3.4% vs a year ago.
- Delinquency rate 0.73%.
- Return on assets 0.49%.
- Efficiency ratio 77.13% vs a 76.56% peer average.
- Loan-to-share ratio 94.43% vs a 79.33% 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 |
73,864
+3.4% YoY-1.1% QoQ
|
+36.0K |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 1.2% in tier |
| Assets |
$741.1M
+5.5% YoY+3.1% QoQ
|
+$118.8M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 3.6% in tier |
| Loans |
$602.7M
+12.1% YoY+7.0% QoQ
|
+$174.2M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 4.8% in tier |
| Deposits |
$638.3M
+3.1% YoY+1.1% QoQ
|
+$98.5M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 10.3% in tier |
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| ROA |
0.5%
+89.2% YoY-10.3% QoQ
|
-0.3% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
3.6%
+12.5% YoY-1.4% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
77.1%
-6.9% YoY+0.2% QoQ
|
+0.6% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.7%
-33.0% YoY+4.1% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
94.4%
+8.7% YoY+5.8% QoQ
|
+15.1% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
85% |
| AMR |
$16,801
+3.8% YoY+5.0% QoQ
|
$-10K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
19.6%
+1.6% YoY+7.5% QoQ
|
-5.0% | 24.6% | 22.2% | 20.0% | 32% |
| Indirect Auto % |
9.2%
-14.7% YoY+16.5% QoQ
|
-4.4% | 13.6% | 9.2% | 7.7% | 53% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)