BlastPoint's Credit Union Scorecard
WATER AND POWER COMMUNITY
Charter #68493 · CA
WATER AND POWER COMMUNITY has 4 strengths but faces 1 concern
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 77.5% in tier
- + Net Interest Margin 0.01% above tier average
- + Total Assets: Top 7.7% in tier
- + Share Certificate Concentration (%): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,895
+0.3% YoY-0.1% QoQ
|
-7.2K |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$971.4M
+2.8% YoY-2.9% QoQ
|
+$107.6M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 8.5% in tier |
| Loans |
$703.8M
+6.2% YoY+0.1% QoQ
|
+$98.0M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$811.2M
+0.9% YoY-2.0% QoQ
|
+$73.9M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
0.5%
+284.4% YoY+4.3% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.4%
+8.4% YoY+0.6% QoQ
|
+0.0% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
73.1%
-10.1% YoY-0.4% QoQ
|
-1.3% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.7%
-13.1% YoY-10.2% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
86.8%
+5.2% YoY+2.2% QoQ
|
+4.2% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$33,747
+2.9% YoY-0.9% QoQ
|
+$5K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
15.8%
-4.7% YoY+0.5% QoQ
|
-8.6% | 24.4% | 21.7% | 19.8% | 21% |
| Indirect Auto % |
1.6%
-42.6% YoY-11.5% QoQ
|
-12.2% | 13.8% | 9.2% | 7.8% | 38% |
Signature Analysis
Strengths (1)
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)