BlastPoint's Credit Union Scorecard

CAMPUS

Charter #79 · LA

Community 750M-1B

117 CUs in 750M-1B nationally 4 in LA

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CAMPUS has 1 strength but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Deposits: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 43.0% in tier
- Indirect Auto Dependency: Bottom 43.5% in tier
- Efficiency ratio 4.75% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 4.3% in tier
- Members Per Employee (MPE): Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	44,062 +2.0% YoY+0.5% QoQ	-7.4K	51,500 +0.7% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	32%
Assets	$938.3M +4.9% YoY+1.4% QoQ	+$72.7M	$865.6M +0.9% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	80%
Loans	$665.8M +1.5% YoY+0.2% QoQ	+$70.5M	$595.3M +1.6% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	71%
Deposits	$845.5M +3.9% YoY+1.2% QoQ	+$103.3M	$742.2M +0.6% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	Top 10.3% in tier

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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	0.7% +61.0% YoY+15.8% QoQ	+0.0%	0.8% +45.0% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	54%
NIM	3.3% +8.0% YoY+1.9% QoQ	-0.1%	3.5% +6.1% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	80.3% -4.0% YoY-1.5% QoQ	+4.8%	75.5% -3.4% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.3% -20.2% YoY+42.2% QoQ	-0.3	0.7% -0.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	23%
Loan To Share	78.7% -2.3% YoY-1.0% QoQ	-1.9%	80.6% +0.7% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	36%
AMR	$34,299 +0.8% YoY+0.3% QoQ	+$5K	$28,908 +0.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	79%
CD Concentration	30.1% -2.3% YoY-1.0% QoQ	+5.9%	24.3%	14.9%	19.8%	72%
Indirect Auto %	42.8% +0.5% YoY+1.4% QoQ	+29.0%	13.8%	5.1%	7.7%	Bottom 6.5% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk

#120 of 504 • Bottom 43.5% in tier

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

Why This Signature

Asset Growth (YoY): 4.88%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 42.84%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.04%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#509 of 596 • Bottom 43.0% in tier

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

Why This Signature

Efficiency Ratio: 80.29%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.28% points

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

but better than tier avg

Member Growth (YoY): 2.04%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 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 117 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $845.47M

Peer Median: $735.65M

#12 of 117 Top 9.4% in 750M-1B tier

Total Assets

balance_sheet

Value: $938.32M

Peer Median: $858.87M

#24 of 117 Top 19.7% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $34,299

Peer Median: $26,209

#25 of 117 Top 20.5% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.22%

Peer Median: 0.47%

#26 of 117 Top 21.4% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,110

Peer Median: $11,598

#27 of 117 Top 22.2% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Median: 0.56%

#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (3 metrics)

113

Indirect Auto Concentration (%)

balance_sheet

Value: 42.84%

Peer Median: 13.79%

#113 of 117 Bottom 4.3% in 750M-1B tier

108

Members Per Employee (MPE)

engagement

Value: 244.789

Peer Median: 328.468

#108 of 117 Bottom 8.5% in 750M-1B tier

AMR Growth Rate

growth

Value: 0.76%

Peer Median: 3.70%

#90 of 117 Bottom 23.9% in 750M-1B tier