BlastPoint's Credit Union Scorecard

MATADORS COMMUNITY

Charter #68483 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

MATADORS COMMUNITY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Total Loans: Top 8.5% in tier
+ Members Per Employee (MPE): Top 8.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.52% below tier average
- Member decline: -3.4% YoY

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits -3.5% year over year ($313M in shares and deposits).
Membership: 18,358 members, -3.4% vs a year ago.
Delinquency rate 0.34%.
Return on assets 0.35%.
Efficiency ratio 76.01% vs a 76.73% peer average.
Loan-to-share ratio 89.93% vs a 71.54% 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	18,358 -3.4% YoY-1.2% QoQ	+3.2K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	71%
Assets	$356.1M -2.9% YoY-1.1% QoQ	+$124.1M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	83%
Loans	$281.3M +0.6% YoY+0.1% QoQ	+$135.0M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Top 8.6% in tier
Deposits	$312.8M -3.5% YoY-1.2% QoQ	+$112.1M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	84%

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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	0.3% +30.8% YoY-13.9% QoQ	-0.5%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	18%
NIM	3.1% +7.4% YoY+0.7% QoQ	-0.6%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	18%
Efficiency Ratio	76.0% +0.7% YoY+1.6% QoQ	-0.7%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	45%
Delinquency Rate	0.3% +77.9% YoY+57.8% QoQ	-0.5	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	22%
Loan To Share	89.9% +4.3% YoY+1.4% QoQ	+18.4%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	85%
AMR	$32,358 +1.8% YoY+0.6% QoQ	+$7K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 14.4% in tier
CD Concentration	54.7% +2.1% YoY+1.3% QoQ	+30.2%	24.6%	22.2%	20.0%	50%
Indirect Auto %	36.1% +10.9% YoY+4.6% QoQ	+22.5%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#239 of 262 • Top 50.0% 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): 1.82%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $2.6K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (6)

Membership Headwinds

decline

#217 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Stagnation Risk

risk

#301 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 0.61%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.34%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#278 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -2.92%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 36.11%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#405 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Capital Constraint

risk

#16 of 19 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 89.93%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -3.52%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 11.67%

(Tier: 12.53%, National: 14.66%)

worse than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 CUs YoY | New qualifier

Credit Risk Growth

risk

#423 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.61%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $281.27M

Peer Median: $124.04M

#88 of 1024 Top 8.5% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 470.718

Peer Median: 310.924

#89 of 1024 Top 8.6% in 100M-500M tier

115

Loan-to-Member Ratio (LMR)

engagement

Value: $15,321

Peer Median: $9,434

#115 of 1024 Top 11.1% in 100M-500M tier

147

Average Member Relationship (AMR)

engagement

Value: $32,358

Peer Median: $23,006

#147 of 1024 Top 14.3% in 100M-500M tier

155

Loan-to-Share Ratio

balance_sheet

Value: 89.93%

Peer Median: 73.07%

#155 of 1024 Top 15.0% in 100M-500M tier

168

Total Deposits

balance_sheet

Value: $312.77M

Peer Median: $170.77M

#168 of 1024 Top 16.3% in 100M-500M tier

178

Total Assets

balance_sheet

Value: $356.09M

Peer Median: $196.38M

#178 of 1024 Top 17.3% in 100M-500M tier

224

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Median: 0.71%

#224 of 1024 Top 21.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1017

Share Certificate Concentration (%)

balance_sheet

Value: 54.72%

Peer Median: 23.39%

#1017 of 1024 Bottom 0.8% in 100M-500M tier

974

Fee Income Per Member

profitability

Value: $67.84

Peer Median: $159.88

#974 of 1024 Bottom 5.0% in 100M-500M tier

965

Asset Growth Rate

growth

Value: -2.92%

Peer Median: 4.12%

#965 of 1024 Bottom 5.9% in 100M-500M tier

964

Deposit Growth Rate

growth

Value: -3.52%

Peer Median: 3.58%

#964 of 1024 Bottom 6.0% in 100M-500M tier

918

Indirect Auto Concentration (%)

balance_sheet

Value: 36.11%

Peer Median: 6.15%

#918 of 1024 Bottom 10.4% in 100M-500M tier

848

Member Growth Rate

growth

Value: -3.37%

Peer Median: -0.03%

#848 of 1024 Bottom 17.3% in 100M-500M tier

841

Return on Assets (ROA)

profitability

Value: 0.35%

Peer Median: 0.75%

#841 of 1024 Bottom 18.0% in 100M-500M tier

840

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Median: 3.67%

#840 of 1024 Bottom 18.1% in 100M-500M tier