BlastPoint's Credit Union Scorecard
CERTIFIED
Charter #9230 · CA
CERTIFIED has 5 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
- + Wallet Share Momentum: Top 2.7% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.43% above tier average
- + Net Worth Ratio: Top 1.8% in tier
- + AMR Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.8% in tier
- - Membership Headwinds: Bottom 98.0% in tier
- - Stagnation Risk: Bottom 98.0% in tier
- - Member decline: -11.9% YoY
- - Member Growth Rate: Bottom 4.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +2.7% year over year ($724M in shares and deposits).
- Membership: 58,130 members, -11.9% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 1.25%.
- Efficiency ratio 65.63% vs a 74.54% peer average.
- Loan-to-share ratio 80.86% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,130
-11.9% YoY-0.3% QoQ
|
+5.6K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$925.3M
+3.3% YoY+0.6% QoQ
|
+$61.4M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$585.4M
+3.3% YoY+2.5% QoQ
|
$-22.4M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$723.9M
+2.7% YoY+0.4% QoQ
|
$-16.0M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.2%
-4.2% YoY-0.4% QoQ
|
+0.4% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
3.9%
+4.5% YoY+1.1% QoQ
|
+0.4% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
65.6%
-0.2% YoY+1.1% QoQ
|
-8.9% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.4%
-9.9% YoY-11.1% QoQ
|
-0.4 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
80.9%
+0.6% YoY+2.1% QoQ
|
-1.7% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$22,523
+16.9% YoY+1.7% QoQ
|
$-6K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
30.1%
+5.9% YoY+1.5% QoQ
|
+5.5% | 24.6% | 22.2% | 20.0% | 71% |
| Indirect Auto % |
8.8%
+31.8% YoY+25.0% QoQ
|
-4.8% | 13.6% | 9.2% | 7.7% | 52% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)