BlastPoint's Credit Union Scorecard
THINKWISE
Charter #7770 · CA
THINKWISE has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 29.7% in tier
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 12.2% in tier
- - Credit Quality Pressure: Bottom 15.9% in tier
- - Indirect Auto Dependency: Bottom 16.1% in tier
- - Efficiency Drag: Bottom 23.5% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 6.31% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 2.3% in tier
- - Total Members: Bottom 6.1% in tier
- - Total Loans: Bottom 6.9% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,147
+1.9% YoY+1.2% QoQ
|
-9.5K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 6.0% in tier |
| Assets |
$119.2M
+7.3% YoY+1.6% QoQ
|
$-112.1M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.7% in tier |
| Loans |
$54.6M
-11.8% YoY-1.8% QoQ
|
$-93.2M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.8% in tier |
| Deposits |
$105.5M
+5.8% YoY-0.3% QoQ
|
$-94.7M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.7% in tier |
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| ROA |
0.4%
-1073.5% YoY+60.0% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
3.7%
-3.0% YoY+1.4% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
83.6%
-6.2% YoY-4.2% QoQ
|
+6.3% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.7%
+33.1% YoY+2.9% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
51.7%
-16.6% YoY-1.5% QoQ
|
-21.0% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.9% in tier |
| AMR |
$26,045
-2.8% YoY-1.9% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
20.5%
-4.6% YoY-1.0% QoQ
|
-3.9% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.4%
+4.2% YoY+0.0% QoQ
|
+8.5% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)