BlastPoint's Credit Union Scorecard
TECHNICOLOR
Charter #8230 · CA
<100M
2556 CUs in <100M nationally
91 in CA
TECHNICOLOR has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 1.6% in tier
- + Total Loans: Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 2.2% in tier
- + Loan-to-Share Ratio: Top 3.7% in tier
- + Average Member Relationship (AMR): Top 4.9% in tier
- + Total Assets: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.50% below tier average
- - Efficiency ratio 34.59% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - First Mortgage Concentration (%): Bottom 1.4% in tier
- - Net Interest Margin (NIM): Bottom 4.0% in tier
- - Net Worth Ratio: Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,072
-5.2% YoY-1.3% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$85.6M
+0.9% YoY-1.6% QoQ
|
+$55.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 5.7% in tier |
| Loans |
$59.6M
-1.0% YoY-2.2% QoQ
|
+$43.9M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 2.2% in tier |
| Deposits |
$58.7M
+0.5% YoY-1.6% QoQ
|
+$33.0M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 13.1% in tier |
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| ROA |
-0.9%
-17.4% YoY+4.6% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.4% in tier |
| NIM |
2.0%
+11.7% YoY+2.2% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.0% in tier |
| Efficiency Ratio |
117.1%
-3.8% YoY-0.0% QoQ
|
+34.6% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate |
0.3%
+69.8% YoY-9.1% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
101.6%
-1.5% YoY-0.7% QoQ
|
+41.0% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 3.8% in tier |
| AMR |
$29,052
+5.2% YoY-0.6% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 4.9% in tier |
| CD Concentration |
31.3%
-5.5% YoY+1.7% QoQ
|
+6.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
41
Fee Income Per Member
profitability
Value:
$334.47
Peer Median: -
#41 of 2556
Top 1.6% in <100M tier
56
Total Loans
balance_sheet
Value:
$59.62M
Peer Median: -
#56 of 2556
Top 2.2% in <100M tier
57
Loan-to-Member Ratio (LMR)
engagement
Value:
$14,642
Peer Median: -
#57 of 2556
Top 2.2% in <100M tier
95
Loan-to-Share Ratio
balance_sheet
Value:
101.61%
Peer Median: -
#95 of 2556
Top 3.7% in <100M tier
126
Average Member Relationship (AMR)
engagement
Value:
$29,052
Peer Median: -
#126 of 2556
Top 4.9% in <100M tier
145
Total Assets
balance_sheet
Value:
$85.59M
Peer Median: -
#145 of 2556
Top 5.6% in <100M tier
334
Total Deposits
balance_sheet
Value:
$58.68M
Peer Median: -
#334 of 2556
Top 13.0% in <100M tier
524
Total Members
engagement
Value:
4,072
Peer Median: -
#524 of 2556
Top 20.5% in <100M tier
Top Weaknesses (8 metrics)
2520
First Mortgage Concentration (%)
balance_sheet
Value:
76.14%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2454
Net Interest Margin (NIM)
profitability
Value:
2.02%
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2440
Efficiency Ratio
profitability
Value:
117.15%
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2412
Net Worth Ratio
risk
Value:
8.24%
Peer Median: -
#2412 of 2556
Bottom 5.7% in <100M tier
2392
Return on Assets (ROA)
profitability
Value:
-0.88%
Peer Median: -
#2392 of 2556
Bottom 6.5% in <100M tier
2147
Share Certificate Concentration (%)
balance_sheet
Value:
31.32%
Peer Median: -
#2147 of 2556
Bottom 16.0% in <100M tier
2136
Member Growth Rate
growth
Value:
-5.17%
Peer Median: -
#2136 of 2556
Bottom 16.5% in <100M tier
2031
Members Per Employee (MPE)
engagement
Value:
226.222
Peer Median: -
#2031 of 2556
Bottom 20.6% in <100M tier