BlastPoint's Credit Union Scorecard
USC
Charter #68459 · CA
USC has 6 strengths but faces 8 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
- + Wallet Share Momentum: Top 3.4% in tier
- + Net Interest Margin 0.22% above tier average
- + Total Members: Top 0.6% in tier
- + Members Per Employee (MPE): Top 0.6% in tier
- + AMR Growth Rate: Top 2.4% in tier
- + Total Loans: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 27.3% in tier
- - Credit Quality Pressure: Bottom 53.5% in tier
- - Membership Headwinds: Bottom 97.0% in tier
- - Stagnation Risk: Bottom 97.0% in tier
- - ROA 0.14% below tier average
- - Member decline: -9.5% YoY
- - Member Growth Rate: Bottom 1.8% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,649
-9.5% YoY+1.3% QoQ
|
+36.6K |
38,079
-4.8% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 1.2% in tier |
| Assets |
$719.2M
+1.9% YoY+0.7% QoQ
|
+$99.5M |
$619.7M
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 12.6% in tier |
| Loans |
$563.2M
+7.6% YoY+1.4% QoQ
|
+$143.9M |
$419.3M
-1.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 7.2% in tier |
| Deposits |
$631.2M
+1.3% YoY+1.2% QoQ
|
+$91.7M |
$539.5M
-0.1% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 12.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+367.4% YoY+76.2% QoQ
|
-0.1% |
0.7%
+36.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
3.7%
+15.1% YoY+10.9% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
77.0%
-12.4% YoY-6.1% QoQ
|
-1.4% |
78.4%
-3.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
0.7%
+0.7% YoY-10.5% QoQ
|
+0.0 |
0.7%
-0.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
89.2%
+6.2% YoY+0.2% QoQ
|
+11.6% |
77.7%
-1.2% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$16,000
+15.2% YoY-0.0% QoQ
|
$-11K |
$26,927
+3.1% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.0% in tier |
| CD Concentration |
18.2%
-3.3% YoY-8.7% QoQ
|
-6.1% | 24.3% | 21.6% | 19.8% | 29% |
| Indirect Auto % |
7.9%
-5.7% YoY-9.8% QoQ
|
-5.9% | 13.8% | 9.0% | 7.7% | 49% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)