BlastPoint's Credit Union Scorecard
STAR ONE
Charter #68465 · CA
STAR ONE has 11 strengths but faces 6 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
- + Credit Quality Leader: Top 13.3% in tier
- + Organic Growth Leader: Top 25.3% in tier
- + Organic Growth Engine: Top 31.1% in tier
- + Relationship Depth Leader: Top 84.6% 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 3.3% in tier
- + Net Worth Ratio: Top 10.0% in tier
- + Indirect Auto Concentration (%): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 7.73% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Asset Growth Rate: Bottom 3.3% in tier
- - First Mortgage Concentration (%): Bottom 3.3% in tier
- - Total Members: Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131,454
+2.6% YoY+0.8% QoQ
|
-327.8K |
459,296
+3.8% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 0.0% in tier |
| Assets |
$9.0B
-7.9% YoY+1.7% QoQ
|
+$59.3M |
$8.9B
+1.2% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$6.3B
+5.7% YoY+0.2% QoQ
|
$-74.9M |
$6.3B
+2.9% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$7.7B
+6.2% YoY+2.2% QoQ
|
+$199.9M |
$7.5B
+2.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
0.3%
+11.1% YoY+493.0% QoQ
|
-0.7% |
1.0%
+22.1% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.0% in tier |
| NIM |
1.1%
+47.2% YoY+1.6% QoQ
|
-1.9% |
3.0%
+11.5% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio |
71.5%
+13.3% YoY-22.8% QoQ
|
+7.7% |
63.7%
-2.2% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.2%
-0.8% YoY-3.9% QoQ
|
-0.5 |
0.7%
+10.8% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
81.9%
-0.5% YoY-1.9% QoQ
|
-3.6% |
85.4%
+0.7% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$105,892
+3.3% YoY+0.5% QoQ
|
+$72K |
$33,660
-2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 3.3% in tier |
| CD Concentration |
5.7%
+9.0% YoY+0.5% QoQ
|
-23.2% |
28.9%
-1.3% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Bottom 3.1% in tier |
| Indirect Auto % |
2.9%
-12.9% YoY-4.4% QoQ
|
-13.7% |
16.6%
-10.3% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
19% |
Signature Analysis
Strengths (4)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (0)
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)