BlastPoint's Credit Union Scorecard
WATER AND POWER COMMUNITY
Charter #68493 · CA
WATER AND POWER COMMUNITY has 4 strengths but faces 7 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 67.7% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.09% above tier average
- + Share Certificate Concentration (%): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 77.4% in tier
- - Membership Headwinds: Bottom 77.4% in tier
- - Total Deposits: Bottom 1.0% in tier
- - Total Assets: Bottom 3.0% in tier
- - Total Members: Bottom 3.3% in tier
- - Total Loans: Bottom 5.7% in tier
- - First Mortgage Concentration (%): Bottom 9.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +0.4% year over year ($826M in shares and deposits).
- Membership: 44,471 members, -0.7% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 1.33%.
- Efficiency ratio 68.30% vs a 73.02% peer average.
- Loan-to-share ratio 83.85% vs a 84.71% 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 |
44,471
-0.7% YoY-0.9% QoQ
|
-52.4K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 3.0% in tier |
| Assets |
$1.0B
+6.6% YoY+3.0% QoQ
|
$-703.9M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.7% in tier |
| Loans |
$692.7M
+0.4% YoY-0.9% QoQ
|
$-541.5M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.3% in tier |
| Deposits |
$826.2M
+0.4% YoY-1.0% QoQ
|
$-637.2M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.7% in tier |
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| ROA |
1.3%
+183.7% YoY+98.3% QoQ
|
+0.5% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 14.0% in tier |
| NIM |
3.5%
+3.8% YoY-0.9% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
68.3%
-6.9% YoY-13.5% QoQ
|
-4.7% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
0.6%
-23.1% YoY+3.5% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
41% |
| Loan To Share |
83.8%
+0.0% YoY+0.1% QoQ
|
-0.9% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$34,154
+1.2% YoY-0.1% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
17.5%
+12.3% YoY+8.0% QoQ
|
-11.5% | 29.1% | 22.2% | 20.0% | Bottom 8.8% in tier |
| Indirect Auto % |
1.2%
-41.6% YoY-13.2% QoQ
|
-16.9% | 18.1% | 9.2% | 7.7% | 18% |
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 (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)