BlastPoint's Credit Union Scorecard
SESLOC
Charter #68741 · CA
SESLOC has 3 strengths but faces 9 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 15.2% in tier
- + Wallet Share Momentum: Top 35.7% in tier
- + Net Interest Margin 0.41% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.7% in tier
- - Stagnation Risk: Bottom 10.0% in tier
- - Membership Headwinds: Bottom 12.1% in tier
- - Credit Quality Pressure: Bottom 12.4% in tier
- - Credit Risk Growth: Bottom 18.7% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 9.83% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Member Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,640
-3.9% YoY+0.7% QoQ
|
-43.0K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 10.9% in tier |
| Assets |
$1.2B
+5.4% YoY+1.0% QoQ
|
$-526.7M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$878.5M
+3.9% YoY+1.3% QoQ
|
$-354.6M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$1.1B
+5.1% YoY+0.7% QoQ
|
$-387.9M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-12.0% YoY+33.8% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
3.7%
+7.3% YoY+2.0% QoQ
|
+0.4% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
83.8%
+1.1% YoY-3.2% QoQ
|
+9.8% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 10.9% in tier |
| Delinquency Rate |
0.6%
+34.6% YoY+6.4% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
82.4%
-1.2% YoY+0.6% QoQ
|
-2.8% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$34,956
+8.8% YoY+0.3% QoQ
|
+$6K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
85% |
| CD Concentration |
25.7%
+13.2% YoY+1.2% QoQ
|
-3.2% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
37% |
| Indirect Auto % |
13.4%
-0.7% YoY+2.3% QoQ
|
-5.4% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
43% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)