BlastPoint's Credit Union Scorecard
COLUMBUS CLUB
Charter #9044 · CA
2556 CUs in <100M nationally
91 in CA
COLUMBUS CLUB has 6 strengths but faces 11 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
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Net Worth Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.66% below tier average
- - Efficiency ratio 56.35% above tier (higher cost structure)
- - Member decline: -7.2% YoY
- - Loan-to-Share Ratio: Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 1.6% in tier
- - Total Loans: Bottom 3.5% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Total Members: Bottom 4.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.8% in tier
- - Member Growth Rate: Bottom 9.2% in tier
- - Fee Income Per Member: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
194
-7.2% YoY-1.0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 4.4% in tier |
| Assets |
$3.1M
-4.3% YoY-0.5% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.1% in tier |
| Loans |
$146,020
-36.0% YoY-10.8% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.5% in tier |
| Deposits |
$2.2M
-4.7% YoY-0.6% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.0% in tier |
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| ROA |
-1.0%
+27.2% YoY-16.2% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.6% in tier |
| NIM |
2.7%
+11.9% YoY-2.3% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio |
138.9%
+4.5% YoY-4.6% QoQ
|
+56.4% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
6.8%
-32.8% YoY-10.3% QoQ
|
-53.8% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.3% in tier |
| AMR |
$11,850
-0.4% YoY-0.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration | 0.0% | -24.4% | 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
220
Net Worth Ratio
risk
Value:
27.07%
Peer Median: -
#220 of 2556
Top 8.6% in <100M tier
Top Weaknesses (15 metrics)
2521
Loan-to-Share Ratio
balance_sheet
Value:
6.78%
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2515
Loan Growth Rate
growth
Value:
-35.96%
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2497
Efficiency Ratio
profitability
Value:
138.91%
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2467
Total Loans
balance_sheet
Value:
$146,020
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2447
Members Per Employee (MPE)
engagement
Value:
64.667
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2440
Total Members
engagement
Value:
194
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2434
Loan-to-Member Ratio (LMR)
engagement
Value:
$752.68
Peer Median: -
#2434 of 2556
Bottom 4.8% in <100M tier
2412
Return on Assets (ROA)
profitability
Value:
-1.04%
Peer Median: -
#2412 of 2556
Bottom 5.7% in <100M tier
2321
Member Growth Rate
growth
Value:
-7.18%
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2310
Fee Income Per Member
profitability
Value:
$2.45
Peer Median: -
#2310 of 2556
Bottom 9.7% in <100M tier