BlastPoint's Credit Union Scorecard
MERCED SCHOOL EMPLOYEES
Charter #9119 · CA
MERCED SCHOOL EMPLOYEES has 2 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 55.0% in tier
- + ROA 0.43% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 24.5% in tier
- - Credit Quality Pressure: Bottom 92.6% in tier
- - Loan-to-Share Ratio: Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.7% in tier
- - Total Loans: Bottom 2.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,632
+1.9% YoY+0.4% QoQ
|
-1.5K |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$859.2M
+9.4% YoY+0.6% QoQ
|
$-4.7M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$310.8M
-0.6% YoY-0.5% QoQ
|
$-295.0M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.7% in tier |
| Deposits |
$757.6M
+7.7% YoY+0.2% QoQ
|
+$20.3M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
1.2%
+22.1% YoY+3.6% QoQ
|
+0.4% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
3.1%
+8.6% YoY+0.8% QoQ
|
-0.3% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
63.5%
-6.0% YoY-0.9% QoQ
|
-10.9% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.7%
+3.8% YoY+15.8% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
41.0%
-7.7% YoY-0.7% QoQ
|
-41.5% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.9% in tier |
| AMR |
$21,102
+3.2% YoY-0.3% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
26.0%
+27.7% YoY+2.6% QoQ
|
+1.6% | 24.4% | 21.7% | 19.8% | 56% |
| Indirect Auto % |
28.9%
-10.1% YoY-3.9% QoQ
|
+15.2% | 13.8% | 9.2% | 7.8% | 82% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)