BlastPoint's Credit Union Scorecard
CERTIFIED
Charter #9230 · CA
CERTIFIED has 4 strengths but faces 6 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 29.5% in tier
- + ROA 0.53% above tier average
- + Net Interest Margin 0.46% above tier average
- + Net Worth Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 12.3% in tier
- - Stagnation Risk: Bottom 27.1% in tier
- - Liquidity Overhang: Bottom 44.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Member decline: -7.5% YoY
- - Member Growth Rate: Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,018
-7.5% YoY-10.3% QoQ
|
+7.9K |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$903.1M
+3.6% YoY+0.5% QoQ
|
+$39.2M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$569.7M
+0.1% YoY+0.0% QoQ
|
$-36.1M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$707.4M
+2.9% YoY+0.3% QoQ
|
$-29.9M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
1.3%
-7.8% YoY-3.9% QoQ
|
+0.5% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Top 14.5% in tier |
| NIM |
3.9%
+5.0% YoY+1.0% QoQ
|
+0.5% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
66.4%
+6.3% YoY+1.1% QoQ
|
-8.0% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.6%
-9.7% YoY+11.5% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
80.5%
-2.7% YoY-0.2% QoQ
|
-2.0% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$21,280
+9.9% YoY+11.7% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
29.5%
+6.3% YoY+2.3% QoQ
|
+5.1% | 24.4% | 21.7% | 19.8% | 69% |
| Indirect Auto % |
6.4%
-2.1% YoY-5.6% QoQ
|
-7.4% | 13.8% | 9.2% | 7.8% | 47% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)