BlastPoint's Credit Union Scorecard
SESLOC
Charter #68741 · CA
SESLOC has 5 strengths but faces 5 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
- + Organic Growth Leader: Top 67.4% in tier
- + Relationship Depth Leader: Top 76.6% in tier
- + Organic Growth Engine: Top 78.5% in tier
- + Emerging Performer: Top 93.4% in tier
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 34.3% in tier
- - Efficiency Drag: Bottom 41.6% in tier
- - Credit Risk Growth: Bottom 51.5% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 7.66% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,815
+2.2% YoY+0.3% QoQ
|
-41.6K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 11.3% in tier |
| Assets |
$1.2B
+6.4% YoY+2.1% QoQ
|
$-506.0M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$890.6M
+4.9% YoY+1.4% QoQ
|
$-343.9M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$1.1B
+6.3% YoY+2.1% QoQ
|
$-370.8M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.6%
+6.5% YoY+18.2% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.7%
+7.0% YoY+0.6% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
81.7%
-1.7% YoY-2.5% QoQ
|
+7.7% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.7%
+47.4% YoY+19.4% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
81.8%
-1.3% YoY-0.7% QoQ
|
-3.0% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$35,459
+3.3% YoY+1.4% QoQ
|
+$6K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 14.9% in tier |
| CD Concentration |
26.4%
+9.2% YoY+2.7% QoQ
|
-2.6% | 29.0% | 21.7% | 19.8% | 39% |
| Indirect Auto % |
13.2%
+3.8% YoY-1.5% QoQ
|
-5.1% | 18.3% | 9.2% | 7.8% | 44% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)