BlastPoint's Credit Union Scorecard
RIZE
Charter #7835 · CA
RIZE has 6 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
- + Organic Growth Leader: Top 3.5% in tier
- + Organic Growth Engine: Top 3.5% in tier
- + Net Interest Margin 0.16% above tier average
- + Strong member growth: 15.2% YoY
- + Member Growth Rate: Top 2.3% in tier
- + First Mortgage Concentration (%): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.5% in tier
- - Credit Quality Pressure: Bottom 11.6% in tier
- - Liquidity Strain: Bottom 22.1% in tier
- - Credit Risk Growth: Bottom 24.7% in tier
- - Shrinking Wallet Share: Bottom 97.3% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 12.62% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +3.3% year over year ($1.06B in shares and deposits).
- Membership: 87,161 members, +15.2% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 0.28%.
- Efficiency ratio 85.64% vs a 73.02% peer average.
- Loan-to-share ratio 97.22% vs a 84.71% 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 |
87,161
+15.2% YoY+4.5% QoQ
|
-9.7K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
51% |
| Assets |
$1.3B
+3.9% YoY-1.2% QoQ
|
$-430.6M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$1.0B
+10.2% YoY+3.3% QoQ
|
$-208.4M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$1.1B
+3.3% YoY-0.5% QoQ
|
$-408.2M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
26% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-21.1% YoY-184.3% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.0% in tier |
| NIM |
3.6%
+7.4% YoY+2.7% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
85.6%
+9.3% YoY-1.9% QoQ
|
+12.6% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
0.9%
+60.8% YoY-5.2% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
97.2%
+6.6% YoY+3.9% QoQ
|
+12.5% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$23,874
-7.5% YoY-3.0% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
25.9%
-4.6% YoY+0.5% QoQ
|
-3.2% | 29.1% | 22.2% | 20.0% | 37% |
| Indirect Auto % |
12.4%
-7.0% YoY-4.0% QoQ
|
-5.7% | 18.1% | 9.2% | 7.7% | 43% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)