BlastPoint's Credit Union Scorecard
COLUMBUS CLUB
Charter #9044 · CA
<100M
2508 CUs in <100M nationally
92 in CA
COLUMBUS CLUB has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.33% below tier average
- - Efficiency ratio 56.24% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Loan-to-Share Ratio: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 2.8% in tier
- - Total Loans: Bottom 3.5% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Total Members: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
196
-3.9% YoY+1.0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 4.6% in tier |
| Assets |
$3.0M
-4.5% YoY-1.0% QoQ
|
$-27.2M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.9% in tier |
| Loans |
$145,594
-30.2% YoY-0.3% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.5% in tier |
| Deposits |
$2.1M
-5.1% YoY-1.0% QoQ
|
$-23.7M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.8% in tier |
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| ROA |
-1.2%
-30.1% YoY+13.8% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.3% in tier |
| NIM |
2.5%
+1.7% YoY-5.0% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio |
146.9%
-12.5% YoY+5.7% QoQ
|
+56.2% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
6.8%
-26.4% YoY+0.7% QoQ
|
-51.7% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.4% in tier |
| AMR |
$11,616
-3.5% YoY-2.0% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 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: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
207
Net Worth Ratio
risk
Value:
27.05%
Peer Median: 14.28%
#207 of 2508
Top 8.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (16 metrics)
2472
Loan-to-Share Ratio
balance_sheet
Value:
6.83%
Peer Median: 58.72%
#2472 of 2508
Bottom 1.5% in <100M tier
2440
Loan Growth Rate
growth
Value:
-30.23%
Peer Median: -2.36%
#2440 of 2508
Bottom 2.8% in <100M tier
2431
Efficiency Ratio
profitability
Value:
146.87%
Peer Median: 81.45%
#2431 of 2508
Bottom 3.1% in <100M tier
2420
Total Loans
balance_sheet
Value:
$145,594
Peer Median: $9.48M
#2420 of 2508
Bottom 3.5% in <100M tier
2400
Members Per Employee (MPE)
engagement
Value:
65.333
Peer Median: 333.750
#2400 of 2508
Bottom 4.3% in <100M tier
2392
Total Members
engagement
Value:
196
Peer Median: 1,918
#2392 of 2508
Bottom 4.7% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2386
Loan-to-Member Ratio (LMR)
engagement
Value:
$742.83
Peer Median: $4,923
#2386 of 2508
Bottom 4.9% in <100M tier
2325
Return on Assets (ROA)
profitability
Value:
-1.18%
Peer Median: 0.61%
#2325 of 2508
Bottom 7.3% in <100M tier
2306
Net Interest Margin (NIM)
profitability
Value:
2.52%
Peer Median: 3.83%
#2306 of 2508
Bottom 8.1% in <100M tier