BlastPoint's Credit Union Scorecard
USC
Charter #68459 · CA
USC has 5 strengths but faces 12 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 10.5% in tier
- + Total Members: Top 0.6% in tier
- + Members Per Employee (MPE): Top 0.6% in tier
- + AMR Growth Rate: Top 4.2% in tier
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 6.5% in tier
- - Stagnation Risk: Bottom 35.4% in tier
- - Credit Quality Pressure: Bottom 77.0% in tier
- - Credit Risk Growth: Bottom 78.7% in tier
- - Efficiency Drag: Bottom 87.9% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 4.48% above tier (higher cost structure)
- - Member decline: -10.1% YoY
- - Fee Income Per Member: Bottom 1.2% in tier
- - Member Growth Rate: Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,723
-10.1% YoY+0.7% QoQ
|
+35.1K |
38,575
-4.8% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 1.2% in tier |
| Assets |
$713.9M
+2.9% YoY+0.8% QoQ
|
+$92.2M |
$621.7M
+0.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 12.7% in tier |
| Loans |
$555.7M
+4.8% YoY+4.2% QoQ
|
+$125.9M |
$429.8M
-1.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 8.5% in tier |
| Deposits |
$624.0M
+1.8% YoY+0.2% QoQ
|
+$85.3M |
$538.7M
+0.6% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 13.9% in tier |
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| ROA |
0.3%
+64.0% YoY+2.8% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
3.3%
+5.5% YoY+1.2% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
82.0%
-4.3% YoY-1.6% QoQ
|
+4.5% |
77.5%
-4.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.8%
+12.3% YoY-2.9% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
89.1%
+3.0% YoY+4.0% QoQ
|
+9.2% |
79.8%
-2.3% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$16,002
+14.8% YoY+1.3% QoQ
|
$-11K |
$26,849
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.0% in tier |
| CD Concentration |
19.9%
+2.9% YoY-1.5% QoQ
|
-4.5% | 24.4% | 21.7% | 19.8% | 34% |
| Indirect Auto % |
8.8%
-2.9% YoY-30.7% QoQ
|
-5.0% | 13.8% | 9.2% | 7.8% | 51% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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 Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)