BlastPoint's Credit Union Scorecard
SESLOC
Charter #68741 · CA
SESLOC has 5 strengths but faces 3 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 39.5% in tier
- + Organic Growth Engine: Top 39.5% in tier
- + Relationship Depth Leader: Top 40.9% in tier
- + Emerging Performer: Top 75.5% in tier
- + Net Interest Margin 0.48% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.1% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 8.05% above tier (higher cost structure)
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 +6.4% year over year ($1.13B in shares and deposits).
- Membership: 56,882 members, +3.0% vs a year ago.
- Delinquency rate 0.40%.
- Return on assets 0.53%.
- Efficiency ratio 81.07% vs a 73.02% peer average.
- Loan-to-share ratio 83.19% 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 |
56,882
+3.0% YoY+0.9% QoQ
|
-40.0K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 12.3% in tier |
| Assets |
$1.3B
+6.4% YoY+0.3% QoQ
|
$-467.7M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$937.1M
+8.1% YoY+4.3% QoQ
|
$-297.1M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$1.1B
+6.4% YoY+0.2% QoQ
|
$-337.0M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.5%
+50.5% YoY+30.8% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.9%
+8.3% YoY+1.3% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
81.1%
-6.3% YoY-2.1% QoQ
|
+8.1% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
0.4%
-24.4% YoY-19.4% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
83.2%
+1.6% YoY+4.1% QoQ
|
-1.5% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$36,277
+4.1% YoY+1.1% QoQ
|
+$7K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 14.3% in tier |
| CD Concentration |
29.3%
+15.2% YoY+5.0% QoQ
|
+0.2% | 29.1% | 22.2% | 20.0% | 52% |
| Indirect Auto % |
14.8%
+12.9% YoY+7.0% QoQ
|
-3.3% | 18.1% | 9.2% | 7.7% | 48% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)