BlastPoint's Credit Union Scorecard
COLUMBUS CLUB
Charter #9044 · CA
2596 CUs in <100M nationally
92 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 Worth Ratio: Top 8.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.92% below tier average
- - Efficiency ratio 64.17% above tier (higher cost structure)
- - Member decline: -8.4% YoY
- - Loan-to-Share Ratio: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 2.1% in tier
- - Total Loans: Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 4.4% in tier
- - Total Members: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
- - Fee Income Per Member: Bottom 6.8% in tier
- - Member Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
196
-8.4% YoY-3.0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 4.6% in tier |
| Assets |
$3.1M
-4.8% YoY-1.2% QoQ
|
$-26.8M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.1% in tier |
| Loans |
$163,720
-33.8% YoY-12.9% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.9% in tier |
| Deposits |
$2.2M
-4.9% YoY-1.5% QoQ
|
$-23.3M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.3% in tier |
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| ROA |
-1.2%
+145.6% YoY-20.4% QoQ
|
-1.9% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.7% in tier |
| NIM |
2.7%
-0.6% YoY+7.5% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.2% in tier |
| Efficiency Ratio |
145.6%
+23.8% YoY-9.8% QoQ
|
+64.2% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.7% in tier |
| 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 |
7.6%
-30.3% YoY-11.5% QoQ
|
-53.7% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.3% in tier |
| AMR |
$11,886
+0.7% YoY+0.6% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration | 0.0% | -24.4% |
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)
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
214
Net Worth Ratio
risk
Value:
27.03%
Peer Avg: -
#214 of 2596
Top 8.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (15 metrics)
2558
Loan-to-Share Ratio
balance_sheet
Value:
7.56%
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2542
Loan Growth Rate
growth
Value:
-33.78%
Peer Avg: -
#2542 of 2596
Bottom 2.1% in <100M tier
2527
Efficiency Ratio
profitability
Value:
145.56%
Peer Avg: -
#2527 of 2596
Bottom 2.7% in <100M tier
2496
Total Loans
balance_sheet
Value:
$163,720
Peer Avg: -
#2496 of 2596
Bottom 3.9% in <100M tier
2484
Members Per Employee (MPE)
engagement
Value:
65.333
Peer Avg: -
#2484 of 2596
Bottom 4.4% in <100M tier
2476
Total Members
engagement
Value:
196
Peer Avg: -
#2476 of 2596
Bottom 4.7% in <100M tier
2473
Return on Assets (ROA)
profitability
Value:
-1.24%
Peer Avg: -
#2473 of 2596
Bottom 4.8% in <100M tier
2454
Loan-to-Member Ratio (LMR)
engagement
Value:
$835.31
Peer Avg: -
#2454 of 2596
Bottom 5.5% in <100M tier
2420
Fee Income Per Member
profitability
Value:
$0.68
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier
2395
Member Growth Rate
growth
Value:
-8.41%
Peer Avg: -
#2395 of 2596
Bottom 7.8% in <100M tier