BlastPoint's Credit Union Scorecard
MATTEL
Charter #8261 · CA
MATTEL has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.4% in tier
- + Net Charge-Off Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 12.13% above tier (higher cost structure)
- - Member decline: -6.9% YoY
- - First Mortgage Concentration (%): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,902
-6.9% YoY-1.3% QoQ
|
-723 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
49% |
| Assets |
$27.0M
-2.6% YoY-0.7% QoQ
|
$-2.8M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$20.5M
-4.0% YoY+0.4% QoQ
|
+$4.7M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$23.9M
-2.7% YoY-0.9% QoQ
|
$-1.6M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
0.2%
-163.1% YoY+47.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
3.4%
+20.0% YoY+10.6% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
93.5%
-11.0% YoY-2.8% QoQ
|
+12.1% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
85.8%
-1.3% YoY+1.3% QoQ
|
+24.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$23,323
+3.8% YoY+1.1% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 11.2% in tier |
| CD Concentration |
13.6%
-16.0% YoY+30.1% QoQ
|
-10.8% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)