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 16.7% in tier
- + Wallet Share Momentum: Top 16.7% in tier
- + Loan-to-Share Ratio: Top 2.7% in tier
- + Loan-to-Member Ratio (LMR): Top 2.7% in tier
- + Total Loans: Top 3.6% in tier
- + Average Member Relationship (AMR): Top 3.6% in tier
- + Fee Income Per Member: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.0% in tier
- - Efficiency Drag: Bottom 6.7% in tier
- - Membership Headwinds: Bottom 82.9% in tier
- - Stagnation Risk: Bottom 82.9% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 17.80% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Net Worth Ratio: Bottom 2.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +0.7% year over year ($693M in shares and deposits).
- Membership: 26,847 members, -3.3% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.12%.
- Efficiency ratio 92.34% vs a 74.54% peer average.
- Loan-to-share ratio 109.20% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,847
-3.3% YoY-1.5% QoQ
|
-25.6K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 4.5% in tier |
| Assets |
$882.5M
+1.4% YoY+1.3% QoQ
|
+$18.5M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$756.4M
+7.9% YoY+1.6% QoQ
|
+$148.6M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 4.5% in tier |
| Deposits |
$692.6M
+0.7% YoY+1.3% QoQ
|
$-47.3M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.1%
-130.5% YoY-23.0% QoQ
|
-0.7% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.6% in tier |
| NIM |
2.4%
+18.6% YoY-1.1% QoQ
|
-1.1% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
92.3%
-13.2% YoY+2.8% QoQ
|
+17.8% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
0.5%
-33.3% YoY+66.2% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
109.2%
+7.1% YoY+0.3% QoQ
|
+26.6% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 3.6% in tier |
| AMR |
$53,972
+7.9% YoY+3.0% QoQ
|
+$25K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 4.5% in tier |
| CD Concentration |
35.9%
+0.2% YoY+1.5% QoQ
|
+11.4% | 24.6% | 22.2% | 20.0% | Top 13.9% in tier |
| Indirect Auto % |
0.8%
-42.8% YoY-11.9% QoQ
|
-12.8% | 13.6% | 9.2% | 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)