BlastPoint's Credit Union Scorecard

THINKWISE

Charter #7770 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

THINKWISE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.23% below tier average
- Efficiency ratio 16.47% above tier (higher cost structure)
- Delinquency rate 0.60% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits +3.5% year over year ($110M in shares and deposits).
Membership: 6,271 members, +3.2% vs a year ago.
Delinquency rate 1.48%.
Return on assets 0.63%.
Efficiency ratio 93.21% vs a 76.73% peer average.
Loan-to-share ratio 51.17% vs a 71.54% 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	6,271 +3.2% YoY+1.2% QoQ	-8.9K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 7.8% in tier
Assets	$122.8M +4.7% YoY+1.3% QoQ	$-109.2M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 14.5% in tier
Loans	$56.1M +0.9% YoY+7.2% QoQ	$-90.2M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 8.9% in tier
Deposits	$109.6M +3.5% YoY+1.6% QoQ	$-91.1M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	17%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +128.3% YoY-151.3% QoQ	-0.2%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	39%
NIM	3.5% -3.2% YoY+1.7% QoQ	-0.2%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	40%
Efficiency Ratio	93.2% +6.8% YoY-3.6% QoQ	+16.5%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 6.2% in tier
Delinquency Rate	1.5% +124.7% YoY+34.3% QoQ	+0.6	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Bottom 14.6% in tier
Loan To Share	51.2% -2.5% YoY+5.5% QoQ	-20.4%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 12.8% in tier
AMR	$26,413 -0.5% YoY+2.2% QoQ	+$1K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	68%
CD Concentration	18.3% -11.9% YoY-4.8% QoQ	-6.3%	24.6%	22.2%	20.0%	50%
Indirect Auto %	28.1% +25.1% YoY+22.5% QoQ	+14.4%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#137 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.63%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 3.19%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#68 of 693 • 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): 0.82% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Efficiency Drag

risk

#187 of 531 • 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: 93.21%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.36% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 3.19%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#266 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.94%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.82% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#288 of 476 • 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): 4.66%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 28.07%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 3.19%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#219 of 223 • 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): -0.53%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 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 1024 peers in tier

Top Strengths (3 metrics)

147

First Mortgage Concentration (%)

balance_sheet

Value: 11.62%

Peer Median: 29.92%

#147 of 1024 Top 14.3% in 100M-500M tier

167

Fee Income Per Member

profitability

Value: $232.73

Peer Median: $159.88

#167 of 1024 Top 16.2% in 100M-500M tier

185

Member Growth Rate

growth

Value: 3.19%

Peer Median: -0.03%

#185 of 1024 Top 18.0% in 100M-500M tier

Top Weaknesses (12 metrics)

1017

Net Charge-Off Rate

risk

Value: 2.22%

Peer Median: 0.34%

#1017 of 1024 Bottom 0.8% in 100M-500M tier

961

Efficiency Ratio

profitability

Value: 93.21%

Peer Median: 77.26%

#961 of 1024 Bottom 6.2% in 100M-500M tier

951

Net Worth Ratio

risk

Value: 8.59%

Peer Median: 11.71%

#951 of 1024 Bottom 7.2% in 100M-500M tier

944

Total Members

engagement

Value: 6,271

Peer Median: 13,128

#944 of 1024 Bottom 7.9% in 100M-500M tier

933

Total Loans

balance_sheet

Value: $56.07M

Peer Median: $124.04M

#933 of 1024 Bottom 9.0% in 100M-500M tier

893

Loan-to-Share Ratio

balance_sheet

Value: 51.17%

Peer Median: 73.07%

#893 of 1024 Bottom 12.9% in 100M-500M tier

876

Total Delinquency Rate (60+ days)

risk

Value: 1.48%

Peer Median: 0.71%

#876 of 1024 Bottom 14.6% in 100M-500M tier

876

Total Assets

balance_sheet

Value: $122.81M

Peer Median: $196.38M

#876 of 1024 Bottom 14.6% in 100M-500M tier

857

Members Per Employee (MPE)

engagement

Value: 241.192

Peer Median: 310.924

#857 of 1024 Bottom 16.4% in 100M-500M tier

853

Total Deposits

balance_sheet

Value: $109.57M

Peer Median: $170.77M

#853 of 1024 Bottom 16.8% in 100M-500M tier