BlastPoint's Credit Union Scorecard

THINKWISE

Charter #7770 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

THINKWISE faces 8 concerns requiring attention

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 1.96% below tier average
- Efficiency ratio 18.69% above tier (higher cost structure)
- Delinquency rate 0.33% above tier average
- Net Charge-Off Rate: Bottom 1.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	6,196 +3.1% YoY+0.3% QoQ	-8.9K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 7.1% in tier
Assets	$121.2M +3.7% YoY+1.2% QoQ	$-110.5M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Bottom 14.1% in tier
Loans	$52.3M -9.5% YoY-3.0% QoQ	$-91.9M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 6.9% in tier
Deposits	$107.8M +2.0% YoY+1.4% QoQ	$-93.3M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	16%

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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	-1.2% -524.6% YoY-576.9% QoQ	-2.0%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 0.7% in tier
NIM	3.5% -1.3% YoY-4.7% QoQ	-0.2%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	40%
Efficiency Ratio	96.7% +9.1% YoY+14.5% QoQ	+18.7%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 4.6% in tier
Delinquency Rate	1.1% +65.5% YoY-28.1% QoQ	+0.3	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	80%
Loan To Share	48.5% -11.3% YoY-4.4% QoQ	-21.9%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 10.5% in tier
AMR	$25,844 -5.0% YoY-0.4% QoQ	+$926	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	66%
CD Concentration	19.2% -5.9% YoY-7.0% QoQ	-5.1%	24.3%	21.6%	19.8%	50%
Indirect Auto %	22.9% +2.6% YoY+2.7% QoQ	+9.1%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#148 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#64 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.00%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Efficiency Drag

risk

#294 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 96.71%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.53% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.11%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#416 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.69%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 22.91%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.11%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (3 metrics)

173

First Mortgage Concentration (%)

balance_sheet

Value: 12.64%

Peer Median: 29.47%

#173 of 1070 Top 16.1% in 100M-500M tier

177

Fee Income Per Member

profitability

Value: $226.66

Peer Median: $154.95

#177 of 1070 Top 16.4% in 100M-500M tier

207

Member Growth Rate

growth

Value: 3.11%

Peer Median: -0.06%

#207 of 1070 Top 19.3% in 100M-500M tier

Top Weaknesses (14 metrics)

1063

Return on Assets (ROA)

profitability

Value: -1.24%

Peer Median: 0.69%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1058

Net Charge-Off Rate

risk

Value: 2.50%

Peer Median: 0.35%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1036

Loan Growth Rate

growth

Value: -9.48%

Peer Median: 2.93%

#1036 of 1070 Bottom 3.3% in 100M-500M tier

1022

Efficiency Ratio

profitability

Value: 96.71%

Peer Median: 78.68%

#1022 of 1070 Bottom 4.6% in 100M-500M tier

1012

AMR Growth Rate

growth

Value: -5.00%

Peer Median: 3.46%

#1012 of 1070 Bottom 5.5% in 100M-500M tier

996

Total Loans

balance_sheet

Value: $52.29M

Peer Median: $121.41M

#996 of 1070 Bottom 7.0% in 100M-500M tier

994

Total Members

engagement

Value: 6,196

Peer Median: 13,200

#994 of 1070 Bottom 7.2% in 100M-500M tier

960

Net Worth Ratio

risk

Value: 8.71%

Peer Median: 11.45%

#960 of 1070 Bottom 10.4% in 100M-500M tier

958

Loan-to-Share Ratio

balance_sheet

Value: 48.48%

Peer Median: 71.88%

#958 of 1070 Bottom 10.6% in 100M-500M tier

951

Members Per Employee (MPE)

engagement

Value: 229.481

Peer Median: 309.176

#951 of 1070 Bottom 11.2% in 100M-500M tier