BlastPoint's Credit Union Scorecard

YOLO

Charter #9293 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

YOLO has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.26% above tier average
+ Strong member growth: 5.5% YoY
+ Loan Growth Rate: Top 5.0% in tier
+ Total Loans: Top 5.5% in tier
+ Share Certificate Concentration (%): Top 7.2% in tier
+ Member Growth Rate: Top 8.7% in tier
+ Total Assets: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 10.46% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	23,316 +5.5% YoY+0.6% QoQ	+8.2K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Top 14.9% in tier
Assets	$411.0M +1.4% YoY+1.1% QoQ	+$179.3M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 9.5% in tier
Loans	$302.8M +16.9% YoY+1.3% QoQ	+$158.7M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Top 5.6% in tier
Deposits	$344.2M -4.7% YoY-1.0% QoQ	+$143.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 11.2% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -15.9% YoY-29.3% QoQ	-0.3%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	30%
NIM	3.9% +6.2% YoY+5.8% QoQ	+0.3%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	88.5% +3.8% YoY+5.4% QoQ	+10.5%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.6% -1.2% YoY+2.2% QoQ	-0.2	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	50%
Loan To Share	88.0% +22.7% YoY+2.4% QoQ	+17.6%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 14.5% in tier
AMR	$27,751 -1.1% YoY-0.5% QoQ	+$3K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	74%
CD Concentration	7.6% -52.3% YoY-25.7% QoQ	-16.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	40.9% +41.2% YoY+4.3% QoQ	+27.1%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Deposit Outflow

decline

#7 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.68%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 5.52%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Efficiency Drag

risk

#254 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.49%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 5.52%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#341 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.42%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 40.91%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.52%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#198 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.10%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Capital Constraint

risk

#14 of 16 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 87.98%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -4.68%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 12.50%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

Loan Growth Rate

growth

Value: 16.95%

Peer Median: 2.93%

#54 of 1070 Top 5.0% in 100M-500M tier

Total Loans

balance_sheet

Value: $302.84M

Peer Median: $121.41M

#60 of 1070 Top 5.5% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.65%

Peer Median: 23.10%

#78 of 1070 Top 7.2% in 100M-500M tier

Member Growth Rate

growth

Value: 5.52%

Peer Median: -0.06%

#94 of 1070 Top 8.7% in 100M-500M tier

102

Total Assets

balance_sheet

Value: $410.98M

Peer Median: $196.57M

#102 of 1070 Top 9.4% in 100M-500M tier

120

Total Deposits

balance_sheet

Value: $344.21M

Peer Median: $171.29M

#120 of 1070 Top 11.1% in 100M-500M tier

155

Loan-to-Share Ratio

balance_sheet

Value: 87.98%

Peer Median: 71.88%

#155 of 1070 Top 14.4% in 100M-500M tier

159

Total Members

engagement

Value: 23,316

Peer Median: 13,200

#159 of 1070 Top 14.8% in 100M-500M tier

193

Loan-to-Member Ratio (LMR)

engagement

Value: $12,988

Peer Median: $9,356

#193 of 1070 Top 17.9% in 100M-500M tier

233

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.35%

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1030

Deposit Growth Rate

growth

Value: -4.68%

Peer Median: 3.30%

#1030 of 1070 Bottom 3.8% in 100M-500M tier

990

Indirect Auto Concentration (%)

balance_sheet

Value: 40.91%

Peer Median: 6.61%

#990 of 1070 Bottom 7.6% in 100M-500M tier

906

AMR Growth Rate

growth

Value: -1.10%

Peer Median: 3.46%

#906 of 1070 Bottom 15.4% in 100M-500M tier

865

Efficiency Ratio

profitability

Value: 88.49%

Peer Median: 78.68%

#865 of 1070 Bottom 19.3% in 100M-500M tier