BlastPoint's Credit Union Scorecard

STAR ONE

Charter #68465 · CA

Large 7B-10B

28 CUs in 7B-10B nationally 5 in CA

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STAR ONE has 8 strengths but faces 7 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 21.9% in tier
+ Wallet Share Momentum: Top 21.9% in tier
+ Organic Growth Leader: Top 45.3% in tier
+ Organic Growth Engine: Top 45.3% in tier
+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ Net Charge-Off Rate: Top 0.1% in tier
+ Average Member Relationship (AMR): Top 0.1% in tier
+ Loan-to-Member Ratio (LMR): Top 0.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.5% in tier
- ROA 0.90% below tier average
- Efficiency ratio 20.01% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 3.6% in tier
- Fee Income Per Member: Bottom 7.1% in tier
- First Mortgage Concentration (%): Bottom 7.1% in tier
- Total Members: Bottom 7.1% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 5 that size in California.
Shares and deposits +11.6% year over year ($8.36B in shares and deposits).
Membership: 134,349 members, +3.0% vs a year ago.
Delinquency rate 0.13%.
Return on assets 0.12%.
Efficiency ratio 86.08% vs a 66.07% peer average.
Loan-to-share ratio 80.47% vs a 81.29% 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	134,349 +3.0% YoY+0.4% QoQ	-304.5K	438,885 -1.1% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 3.6% in tier
Assets	$9.7B +9.8% YoY+1.2% QoQ	+$778.0M	$8.9B +0.0% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	82%
Loans	$6.7B +7.6% YoY+2.3% QoQ	+$510.5M	$6.2B -0.6% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	54%
Deposits	$8.4B +11.6% YoY+1.4% QoQ	+$702.2M	$7.7B +2.7% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% +130.3% YoY-57.3% QoQ	-0.9%	1.0% +4.7% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Bottom 0.1% in tier
NIM	1.1% +1.0% YoY-0.1% QoQ	-2.0%	3.1% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 0.1% in tier
Efficiency Ratio	86.1% -7.0% YoY+14.4% QoQ	+20.0%	66.1% +1.6% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 3.6% in tier
Delinquency Rate	0.1% -18.9% YoY+79.8% QoQ	-0.7	0.8% +23.1% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Top 0.1% in tier
Loan To Share	80.5% -3.6% YoY+0.9% QoQ	-0.8%	81.3% -3.8% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	36%
AMR	$112,283 +6.6% YoY+1.4% QoQ	+$75K	$37,279 +8.1% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 3.6% in tier
CD Concentration	5.8% +1.7% YoY+4.0% QoQ	-22.5%	28.3%	22.2%	20.0%	Bottom 3.0% in tier
Indirect Auto %	2.7% -11.6% YoY-0.6% QoQ	-14.2%	16.8%	9.2%	7.7%	21%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#7 of 16 • Top 21.9% 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): 6.56%

(Tier: 4.16%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.5K

(Tier: $3.3K, National: $2.1K)

better than tier avg

16 of 67 Large CUs have this signature | 354 nationally

→ Stable (12→16 CUs) +4 CUs YoY | Rank improving

Organic Growth Leader

growth

#11 of 22 • Top 45.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 2.66%

(Tier: 16.81%, National: 7.71%)

better than tier avg

22 of 67 Large CUs have this signature | 485 nationally

→ Stable (27→22 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth

#14 of 20 • Top 21.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.56%

(Tier: 4.16%, National: 35.20%)

better than tier avg

20 of 67 Large CUs have this signature | 635 nationally

→ Stable (17→20 CUs) +3 CUs YoY | New qualifier

Organic Growth Engine

growth

#20 of 22 • Top 45.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.12%

(Tier: 0.96%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 2.66%

(Tier: 16.81%, National: 7.71%)

better than tier avg

22 of 67 Large CUs have this signature | 490 nationally

↓ Shrinking -25 CUs YoY | Rank improving

Concerns (1)

Efficiency Drag

risk

#1 of 5 • Bottom 1.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.08%

(Tier: 65.60%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.14% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 3.01%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

5 of 67 Large CUs have this signature | 608 nationally

→ Stable (8→5 CUs) -3 CUs YoY | Rank improving

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)

Compare against:

Comparing against 28 peers in tier

Top Strengths (13 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.71%

#1 of 28 Top 0.1% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.42%

#1 of 28 Top 0.1% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $112,283

Peer Median: $31,495

#1 of 28 Top 0.1% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $50,067

Peer Median: $13,051

#1 of 28 Top 0.1% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 5.77%

Peer Median: 26.96%

#2 of 28 Top 3.6% in 7B-10B tier

Net Worth Ratio

risk

Value: 14.06%

Peer Median: 11.61%

#5 of 28 Top 14.3% in 7B-10B tier

Total Assets

balance_sheet

Value: $9.70B

Peer Median: $9.14B

#5 of 28 Top 14.3% in 7B-10B tier

Total Deposits

balance_sheet

Value: $8.36B

Peer Median: $7.79B

#5 of 28 Top 14.3% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 518.722

Peer Median: 394.254

#5 of 28 Top 14.3% in 7B-10B tier

Asset Growth Rate

growth

Value: 9.79%

Peer Median: 4.49%

#6 of 28 Top 17.9% in 7B-10B tier

Top Weaknesses (6 metrics)

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 1.12%

#28 of 28 Bottom 3.6% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 1.06%

Peer Median: 3.12%

#28 of 28 Bottom 3.6% in 7B-10B tier

Efficiency Ratio

profitability

Value: 86.08%

Peer Median: 63.82%

#28 of 28 Bottom 3.6% in 7B-10B tier

Fee Income Per Member

profitability

Value: $121.42

Peer Median: $206.85

#27 of 28 Bottom 7.1% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 82.16%

Peer Median: 37.58%

#27 of 28 Bottom 7.1% in 7B-10B tier

Total Members

engagement

Value: 134,349

Peer Median: 451,813

#27 of 28 Bottom 7.1% in 7B-10B tier