BlastPoint's Credit Union Scorecard
OCEANAIR
Charter #7608 · CA
OCEANAIR has 7 strengths but faces 11 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 27.0% in tier
- + Wallet Share Momentum: Top 57.2% in tier
- + Loan-to-Share Ratio: Top 1.7% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Average Member Relationship (AMR): Top 4.3% in tier
- + Fee Income Per Member: Top 6.0% in tier
- + Total Loans: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.0% in tier
- - Efficiency Drag: Bottom 25.9% in tier
- - Membership Headwinds: Bottom 46.8% in tier
- - Stagnation Risk: Bottom 83.9% in tier
- - ROA 0.99% below tier average
- - Efficiency ratio 26.32% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Net Interest Margin (NIM): Bottom 4.3% in tier
- - Net Worth Ratio: Bottom 4.3% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Total Members: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,330
-2.9% YoY-1.5% QoQ
|
-24.8K |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 5.1% in tier |
| Assets |
$867.4M
+0.2% YoY+0.5% QoQ
|
+$3.5M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$739.5M
+7.9% YoY+1.6% QoQ
|
+$133.7M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 8.5% in tier |
| Deposits |
$685.2M
+0.5% YoY+0.7% QoQ
|
$-52.0M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
23% |
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 |
-0.2%
-302.8% YoY-28.9% QoQ
|
-1.0% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.7% in tier |
| NIM |
2.2%
-4.1% YoY+2.1% QoQ
|
-1.2% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio |
100.7%
+11.1% YoY-3.5% QoQ
|
+26.3% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
0.4%
-67.0% YoY-5.6% QoQ
|
-0.5 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
107.9%
+7.4% YoY+0.9% QoQ
|
+25.4% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 2.6% in tier |
| AMR |
$52,131
+7.3% YoY+2.7% QoQ
|
+$23K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 5.1% in tier |
| CD Concentration |
35.3%
-2.9% YoY-2.6% QoQ
|
+10.9% | 24.4% | 21.7% | 19.8% | Top 14.2% in tier |
| Indirect Auto % |
1.0%
-41.2% YoY-14.3% QoQ
|
-12.8% | 13.8% | 9.2% | 7.8% | 36% |
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 (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)