BlastPoint's Credit Union Scorecard

STAR ONE

Charter #68465 · CA

Large 7B-10B
33 CUs in 7B-10B nationally 7 in CA
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STAR ONE has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 42.9% in tier
  • + Organic Growth Leader: Top 71.4% in tier
  • + Organic Growth Engine: Top 84.9% in tier
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.56% below tier average
  • - Net Interest Margin (NIM): Bottom 3.0% in tier
  • - First Mortgage Concentration (%): Bottom 3.0% in tier
  • - Total Members: Bottom 3.0% in tier
  • - Fee Income Per Member: Bottom 6.1% in tier
  • - Asset Growth Rate: Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 132,623
+2.7% YoY+0.9% QoQ
 -313.3K 445,922
+0.4% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 Bottom 0.0% in tier
Assets $9.3B
-1.2% YoY+4.1% QoQ
 +$414.0M $8.9B
+0.9% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 64%
Loans $6.4B
+5.8% YoY+2.6% QoQ
 +$174.1M $6.3B
+0.8% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 48%
Deposits $8.0B
+8.8% YoY+4.4% QoQ
 +$467.8M $7.5B
+1.2% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 61%

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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 0.4%
+17.4% YoY+29.9% QoQ
 -0.6% 1.0%
+27.8% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 Bottom 9.1% in tier
NIM 1.0%
+35.9% YoY-2.2% QoQ
 -1.9% 3.0%
+12.0% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 Bottom 0.0% in tier
Efficiency Ratio 62.8%
+9.8% YoY-12.1% QoQ
 -2.0% 64.8%
-2.3% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 42%
Delinquency Rate 0.1%
-11.3% YoY-15.9% QoQ
 -0.6 0.7%
+5.5% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 Bottom 0.0% in tier
Loan To Share 80.5%
-2.7% YoY-1.6% QoQ
 -2.9% 83.4%
-0.6% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 36%
AMR $108,718
+4.6% YoY+2.7% QoQ
 +$74K $34,266
-1.7% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 Top 3.0% in tier
CD Concentration 5.6%
+4.4% YoY-2.1% QoQ
 -23.6% 29.1% 21.7% 19.8% Bottom 3.0% in tier
Indirect Auto % 2.7%
-11.7% YoY-4.4% QoQ
 -14.3% 17.1% 9.2% 7.8% 21%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#7 of 15 • Top 42.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 4.59%
(Tier: 3.92%, National: 4.00%)
better than tier avg
Share Draft per Member: $4.7K
(Tier: $3.3K, National: $2.0K)
better than tier avg
15 of 68 Large CUs have this signature | 351 nationally
↑ Growing +6 CUs YoY | New qualifier

Organic Growth Leader

growth
#21 of 29 • Top 71.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.74%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 2.75%
(Tier: 17.09%, National: 7.78%)
better than tier avg
29 of 68 Large CUs have this signature | 609 nationally
→ No prior data (29 CUs now) | New qualifier

Organic Growth Engine

growth
#46 of 54 • Top 84.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.74%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.41%
(Tier: 0.90%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 2.75%
(Tier: 17.09%, National: 7.78%)
better than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 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 33 peers in tier

Top Strengths (9 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Median: -
#1 of 33 Top 0.0% in 7B-10B tier
1
Net Charge-Off Rate
risk
Value: 0.05%
Peer Median: -
#1 of 33 Top 0.0% in 7B-10B tier
1
Average Member Relationship (AMR)
engagement
Value: $108,718
Peer Median: -
#1 of 33 Top 0.0% in 7B-10B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $48,497
Peer Median: -
#1 of 33 Top 0.0% in 7B-10B tier
2
Share Certificate Concentration (%)
balance_sheet
Value: 5.58%
Peer Median: -
#2 of 33 Top 3.0% in 7B-10B tier
5
Net Worth Ratio
risk
Value: 14.53%
Peer Median: -
#5 of 33 Top 12.1% in 7B-10B tier
5
Indirect Auto Concentration (%)
balance_sheet
Value: 2.75%
Peer Median: -
#5 of 33 Top 12.1% in 7B-10B tier
6
Deposit Growth Rate
growth
Value: 8.79%
Peer Median: -
#6 of 33 Top 15.2% in 7B-10B tier
6
Members Per Employee (MPE)
engagement
Value: 514.043
Peer Median: -
#6 of 33 Top 15.2% in 7B-10B tier

Top Weaknesses (6 metrics)

33
Net Interest Margin (NIM)
profitability
Value: 1.04%
Peer Median: -
#33 of 33 Bottom 3.0% in 7B-10B tier
33
First Mortgage Concentration (%)
balance_sheet
Value: 81.66%
Peer Median: -
#33 of 33 Bottom 3.0% in 7B-10B tier
33
Total Members
engagement
Value: 132,623
Peer Median: -
#33 of 33 Bottom 3.0% in 7B-10B tier
32
Fee Income Per Member
profitability
Value: $131.37
Peer Median: -
#32 of 33 Bottom 6.1% in 7B-10B tier
31
Asset Growth Rate
growth
Value: -1.16%
Peer Median: -
#31 of 33 Bottom 9.1% in 7B-10B tier
30
Return on Assets (ROA)
profitability
Value: 0.41%
Peer Median: -
#30 of 33 Bottom 12.1% in 7B-10B tier
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