BlastPoint's Credit Union Scorecard

OCEANAIR

Charter #7608 · CA

Community 750M-1B

112 CUs in 750M-1B nationally 15 in CA

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OCEANAIR has 8 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 40.2% in tier
+ Wallet Share Momentum: Top 77.9% in tier
+ Credit Quality Leader: Top 95.0% in tier
+ Loan-to-Member Ratio (LMR): Top 2.7% in tier
+ Loan-to-Share Ratio: Top 3.6% in tier
+ Average Member Relationship (AMR): Top 4.5% in tier
+ Fee Income Per Member: Top 7.1% in tier
+ Total Loans: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.5% in tier
- Efficiency Drag: Bottom 5.5% in tier
- Membership Headwinds: Bottom 23.8% in tier
- Stagnation Risk: Bottom 28.4% in tier
- ROA 1.05% below tier average
- Efficiency ratio 29.74% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 3.6% in tier
- Members Per Employee (MPE): Bottom 3.6% in tier
- Total Members: Bottom 5.4% in tier
- Net Worth Ratio: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	27,746 -1.5% YoY-0.1% QoQ	-24.4K	52,114 -2.1% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 4.5% in tier
Assets	$863.0M -0.4% YoY-0.8% QoQ	+$4.0M	$859.0M +0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	52%
Loans	$727.9M +7.7% YoY+3.8% QoQ	+$124.5M	$603.4M +1.0% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Top 8.9% in tier
Deposits	$680.3M +1.1% YoY-1.1% QoQ	$-53.9M	$734.2M +0.9% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	23%

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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	-0.3% -1590.3% YoY-14.6% QoQ	-1.0%	0.7% +27.6% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 1.8% in tier
NIM	2.1% -8.4% YoY+4.6% QoQ	-1.3%	3.4% +9.6% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 2.7% in tier
Efficiency Ratio	104.3% +11.4% YoY-2.0% QoQ	+29.7%	74.5% -3.2% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Top 2.7% in tier
Delinquency Rate	0.4% -10.2% YoY-48.1% QoQ	-0.4	0.8% +5.0% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	19%
Loan To Share	107.0% +6.5% YoY+5.0% QoQ	+24.3%	82.7% +0.1% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Top 4.5% in tier
AMR	$50,753 +6.0% YoY+1.5% QoQ	+$22K	$28,651 +2.5% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 5.4% in tier
CD Concentration	36.3% +2.1% YoY+1.3% QoQ	+11.9%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	Top 13.1% in tier
Indirect Auto %	1.2% -40.0% YoY-16.0% QoQ	-12.8%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	36%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#104 of 257 • Top 40.2% 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): 5.99%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $5.3K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#375 of 481 • Top 77.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.99%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#323 of 340 • Top 95.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.37%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.04% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#20 of 258 • Bottom 2.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 107.00%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.67%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk

#98 of 521 • Bottom 5.5% in tier

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

Why This Signature

Efficiency Ratio: 104.26%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.36% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.49%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Membership Headwinds

decline

#393 of 550 • Bottom 23.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#468 of 550 • Bottom 28.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 7.67%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.37%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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 112 peers in tier

Top Strengths (8 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $26,235

Peer Avg: -

#4 of 112 Top 2.7% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 107.00%

Peer Avg: -

#5 of 112 Top 3.6% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $50,753

Peer Avg: -

#6 of 112 Top 4.5% in 750M-1B tier

Fee Income Per Member

profitability

Value: $345.96

Peer Avg: -

#9 of 112 Top 7.1% in 750M-1B tier

Total Loans

balance_sheet

Value: $727.91M

Peer Avg: -

#10 of 112 Top 8.0% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Avg: -

#22 of 112 Top 18.8% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.24%

Peer Avg: -

#22 of 112 Top 18.8% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.15%

Peer Avg: -

#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (12 metrics)

110

Return on Assets (ROA)

profitability

Value: -0.34%

Peer Avg: -

#110 of 112 Bottom 2.7% in 750M-1B tier

110

Efficiency Ratio

profitability

Value: 104.26%

Peer Avg: -

#110 of 112 Bottom 2.7% in 750M-1B tier

109

Net Interest Margin (NIM)

profitability

Value: 2.11%

Peer Avg: -

#109 of 112 Bottom 3.6% in 750M-1B tier

109

Members Per Employee (MPE)

engagement

Value: 204.015

Peer Avg: -

#109 of 112 Bottom 3.6% in 750M-1B tier

107

Total Members

engagement

Value: 27,746

Peer Avg: -

#107 of 112 Bottom 5.4% in 750M-1B tier

105

Net Worth Ratio

risk

Value: 7.59%

Peer Avg: -

#105 of 112 Bottom 7.1% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 48.81%

Peer Avg: -

#96 of 112 Bottom 15.2% in 750M-1B tier

Deposit Growth Rate

growth

Value: 1.14%

Peer Avg: -

#95 of 112 Bottom 16.1% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 36.30%

Peer Avg: -

#92 of 112 Bottom 18.8% in 750M-1B tier

Asset Growth Rate

growth

Value: -0.39%

Peer Avg: -

#91 of 112 Bottom 19.6% in 750M-1B tier