BlastPoint's Credit Union Scorecard
USC
Charter #68459 · CA
USC has 4 strengths but faces 13 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 11.9% in tier
- + Members Per Employee (MPE): Top 1.2% in tier
- + Total Members: Top 1.2% in tier
- + AMR Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.0% in tier
- - Credit Quality Pressure: Bottom 14.2% in tier
- - Stagnation Risk: Bottom 19.1% in tier
- - Efficiency Drag: Bottom 20.4% in tier
- - Credit Risk Growth: Bottom 20.6% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 5.21% above tier (higher cost structure)
- - Delinquency rate 0.00% above tier average
- - Member decline: -10.5% YoY
- - Fee Income Per Member: Bottom 0.6% in tier
- - Member Growth Rate: Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,178
-10.5% YoY+2.4% QoQ
|
+33.4K |
39,752
-2.7% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Top 1.8% in tier |
| Assets |
$708.3M
-4.0% YoY+0.8% QoQ
|
+$85.9M |
$622.4M
+0.3% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$533.3M
+3.1% YoY-0.8% QoQ
|
+$97.4M |
$435.9M
-0.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$622.5M
+0.7% YoY+0.6% QoQ
|
+$84.5M |
$538.0M
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 13.6% in tier |
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| ROA |
0.3%
+11.4% YoY+16.4% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
3.3%
+7.2% YoY+1.7% QoQ
|
-0.1% |
3.4%
+8.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
83.3%
-1.0% YoY+0.6% QoQ
|
+5.2% |
78.1%
-3.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.8%
+33.8% YoY-26.0% QoQ
|
+0.0 |
0.8%
-4.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
85.7%
+2.5% YoY-1.4% QoQ
|
+4.6% |
81.0%
-1.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$15,795
+13.7% YoY-2.4% QoQ
|
$-11K |
$26,482
+2.6% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.0% in tier |
| CD Concentration |
20.2%
+4.4% YoY+5.1% QoQ
|
-4.2% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
36% |
| Indirect Auto % |
12.6%
+77.9% YoY+17.1% QoQ
|
-1.3% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
58% |
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)