BlastPoint's Credit Union Scorecard

SESLOC

Charter #68741 · CA

Mid-Market 1B-3B

SESLOC at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

SESLOC is one of 101 credit unions in the 2026 VentureTech card set. We also found SESLOC's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

SESLOC

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SESLOC
PEER · AT VENTURETECH
PEER · AT VENTURETECH
SESLOC'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 37 in CA

View Mid-Market leaderboard →

SESLOC has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ 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)

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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

growth

#70 of 112 • Top 39.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.96%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 14.82%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Relationship Depth Leader

growth

#47 of 69 • Top 40.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.06%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank worsening

Emerging Performer

growth

#72 of 82 • Top 75.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.53%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 2.96%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Engine

growth

#106 of 113 • Top 39.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.96%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.53%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 14.82%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk

#65 of 71 • Bottom 17.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.07%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.18% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 2.96%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (4 metrics)

Average Member Relationship (AMR)

engagement

Value: $36,277

Peer Median: $28,089

#43 of 300 Top 14.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,474

Peer Median: $12,809

#48 of 300 Top 15.7% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.40%

Peer Median: 0.70%

#61 of 300 Top 20.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.90%

Peer Median: 3.46%

#62 of 300 Top 20.3% in 1B-3B tier

Top Weaknesses (5 metrics)

263

Total Members

engagement

Value: 56,882

Peer Median: 86,516

#263 of 300 Bottom 12.7% in 1B-3B tier

250

Net Worth Ratio

risk

Value: 9.41%

Peer Median: 10.91%

#250 of 300 Bottom 17.0% in 1B-3B tier

245

Efficiency Ratio

profitability

Value: 81.07%

Peer Median: 73.62%

#245 of 300 Bottom 18.7% in 1B-3B tier

242

Members Per Employee (MPE)

engagement

Value: 288.741

Peer Median: 346.173

#242 of 300 Bottom 19.7% in 1B-3B tier

234

Fee Income Per Member

profitability

Value: $161.68

Peer Median: $204.73

#234 of 300 Bottom 22.3% in 1B-3B tier