BlastPoint's Credit Union Scorecard
MEDIA CITY
Charter #68549 · CA
MEDIA CITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 8.9% in tier
- + Loan-to-Member Ratio (LMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 1.52% above tier (higher cost structure)
- - Member decline: -2.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,093
-2.2% YoY-0.2% QoQ
|
-532 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$37.4M
-3.2% YoY-6.1% QoQ
|
+$7.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$19.9M
-7.3% YoY-2.3% QoQ
|
+$4.1M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$31.4M
-3.1% YoY-7.6% QoQ
|
+$5.9M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.6%
-11.9% YoY+74.3% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.6%
+5.0% YoY+7.4% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
82.9%
+0.4% YoY-4.5% QoQ
|
+1.5% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.3%
-90.0% YoY+7.9% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
63.4%
-4.4% YoY+5.7% QoQ
|
+2.2% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$24,516
-2.6% YoY-5.4% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 8.9% in tier |
| CD Concentration |
25.0%
+0.9% YoY-8.8% QoQ
|
+0.6% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)