BlastPoint's Credit Union Scorecard
CERTIFIED
Charter #9230 · CA
CERTIFIED has 9 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 0.0% in tier
- + Profitability Leader: Top 62.8% in tier
- + ROA 0.62% above tier average
- + Net Interest Margin 0.44% above tier average
- + AMR Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 2.7% in tier
- + Net Worth Ratio: Top 2.7% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 0.0% in tier
- - Stagnation Risk: Bottom 0.8% in tier
- - Liquidity Overhang: Bottom 42.9% in tier
- - Member decline: -57.7% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,925
-57.7% YoY+1.4% QoQ
|
+14.8K |
52,114
-2.1% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$898.6M
+14.9% YoY+0.3% QoQ
|
+$39.6M |
$859.0M
+0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$569.6M
+11.4% YoY+0.5% QoQ
|
$-33.7M |
$603.4M
+1.0% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$705.6M
+15.9% YoY+0.1% QoQ
|
$-28.5M |
$734.2M
+0.9% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
40% |
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 |
1.3%
+13.4% YoY+2.2% QoQ
|
+0.6% |
0.7%
+27.6% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
3.8%
+0.4% YoY+1.2% QoQ
|
+0.4% |
3.4%
+9.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
65.7%
+0.4% YoY-0.1% QoQ
|
-8.9% |
74.5%
-3.2% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.5%
-27.6% YoY+24.7% QoQ
|
-0.3 |
0.8%
+5.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
80.7%
-3.8% YoY+0.4% QoQ
|
-1.9% |
82.7%
+0.1% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$19,055
+169.5% YoY-1.1% QoQ
|
$-10K |
$28,651
+2.5% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
28.9%
+3.6% YoY+1.6% QoQ
|
+4.5% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
67% |
| Indirect Auto % |
6.8%
-7.5% YoY+0.9% QoQ
|
-7.2% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
48% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)