BlastPoint's Credit Union Scorecard
STAR ONE
Charter #68465 · CA
STAR ONE has 8 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
- + Relationship Depth Leader: Top 29.7% 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
- + Share Certificate Concentration (%): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 9.20% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 6.9% in tier
- - First Mortgage Concentration (%): Bottom 6.9% in tier
- - Total Members: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
133,824
+3.1% YoY+0.9% QoQ
|
-303.1K |
436,889
-2.3% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 3.4% in tier |
| Assets |
$9.6B
+3.6% YoY+2.6% QoQ
|
+$674.9M |
$8.9B
-0.1% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$6.6B
+6.2% YoY+2.2% QoQ
|
+$427.7M |
$6.1B
-1.1% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$8.2B
+8.9% YoY+3.2% QoQ
|
+$589.8M |
$7.7B
+1.8% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.3%
-392.0% YoY-29.9% QoQ
|
-0.7% |
0.9%
+16.3% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.3% in tier |
| NIM |
1.1%
+11.0% YoY+1.7% QoQ
|
-2.0% |
3.1%
+6.3% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
75.2%
-30.4% YoY+19.8% QoQ
|
+9.2% |
66.1%
-2.8% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
0.1%
-44.8% YoY-44.2% QoQ
|
-0.5 |
0.6%
+12.0% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
79.7%
-2.5% YoY-1.0% QoQ
|
-0.7% |
80.4%
-3.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$110,735
+4.4% YoY+1.9% QoQ
|
+$74K |
$37,056
+6.8% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 3.4% in tier |
| CD Concentration |
5.5%
+1.3% YoY-0.6% QoQ
|
-23.1% | 28.6% | 21.6% | 19.8% | Bottom 3.0% in tier |
| Indirect Auto % |
2.7%
-11.0% YoY-2.8% QoQ
|
-13.7% | 16.4% | 9.0% | 7.7% | 21% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)