BlastPoint's Credit Union Scorecard
MERCED SCHOOL EMPLOYEES
Charter #9119 · CA
MERCED SCHOOL EMPLOYEES has 1 strength but faces 4 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
- + ROA 0.62% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.7% 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 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,925
+1.7% YoY+0.6% QoQ
|
-575 |
51,500
+0.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$897.5M
+8.6% YoY+4.5% QoQ
|
+$31.9M |
$865.6M
+0.9% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$304.9M
-1.7% YoY-1.9% QoQ
|
$-290.3M |
$595.3M
+1.6% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.7% in tier |
| Deposits |
$795.1M
+7.7% YoY+5.0% QoQ
|
+$52.9M |
$742.2M
+0.6% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
73% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+21.1% YoY+17.7% QoQ
|
+0.6% |
0.8%
+45.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
85% |
| NIM |
3.1%
+3.8% YoY+2.3% QoQ
|
-0.3% |
3.5%
+6.1% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
65.9%
+0.0% YoY+3.8% QoQ
|
-9.6% |
75.5%
-3.4% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.4%
-20.6% YoY-38.3% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
37% |
| Loan To Share |
38.3%
-8.7% YoY-6.5% QoQ
|
-42.3% |
80.6%
+0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.9% in tier |
| AMR |
$21,601
+3.1% YoY+2.4% QoQ
|
$-7K |
$28,908
+0.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
26.6%
+9.5% YoY+2.3% QoQ
|
+2.3% | 24.3% | 21.6% | 19.8% | 60% |
| Indirect Auto % |
28.3%
-10.9% YoY-2.3% QoQ
|
+14.5% | 13.8% | 9.0% | 7.7% | 82% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)