BlastPoint's Credit Union Scorecard
OCEANAIR
Charter #7608 · CA
OCEANAIR has 7 strengths but faces 8 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 30.4% in tier
- + Wallet Share Momentum: Top 30.4% in tier
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Average Member Relationship (AMR): Top 4.3% in tier
- + Total Loans: Top 5.1% in tier
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.9% in tier
- - Efficiency Drag: Bottom 14.0% in tier
- - Membership Headwinds: Bottom 81.3% in tier
- - Stagnation Risk: Bottom 81.3% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 14.29% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - Net Worth Ratio: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,253
-3.1% YoY-0.3% QoQ
|
-24.2K |
51,500
+0.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 5.1% in tier |
| Assets |
$870.8M
-1.7% YoY+0.4% QoQ
|
+$5.1M |
$865.6M
+0.9% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$744.4M
+6.9% YoY+0.7% QoQ
|
+$149.2M |
$595.3M
+1.6% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 6.0% in tier |
| Deposits |
$683.4M
-2.0% YoY-0.3% QoQ
|
$-58.7M |
$742.2M
+0.6% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.2%
-120.4% YoY-165.3% QoQ
|
-0.6% |
0.8%
+45.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.4% in tier |
| NIM |
2.4%
+26.1% YoY+12.3% QoQ
|
-1.0% |
3.5%
+6.1% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio |
89.8%
-24.7% YoY-10.8% QoQ
|
+14.3% |
75.5%
-3.4% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
0.3%
-36.4% YoY-18.2% QoQ
|
-0.4 |
0.7%
-0.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
20% |
| Loan To Share |
108.9%
+9.1% YoY+0.9% QoQ
|
+28.3% |
80.6%
+0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 1.7% in tier |
| AMR |
$52,393
+5.7% YoY+0.5% QoQ
|
+$23K |
$28,908
+0.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 5.1% in tier |
| CD Concentration |
35.4%
-3.5% YoY+0.1% QoQ
|
+11.1% | 24.3% | 21.6% | 19.8% | Top 13.7% in tier |
| Indirect Auto % |
0.9%
-42.3% YoY-9.8% QoQ
|
-12.9% | 13.8% | 9.0% | 7.7% | 35% |
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)