BlastPoint's Credit Union Scorecard
YOLO
Charter #9293 · CA
YOLO has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 0.30% above tier average
- + Fee Income Per Member: Top 4.6% in tier
- + Total Loans: Top 5.7% in tier
- + Share Certificate Concentration (%): Top 8.7% in tier
- + Total Assets: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 6.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits -2.1% year over year ($340M in shares and deposits).
- Membership: 23,459 members, +3.8% vs a year ago.
- Delinquency rate 0.78%.
- Return on assets 1.22%.
- Efficiency ratio 75.72% vs a 76.73% peer average.
- Loan-to-share ratio 89.75% vs a 71.54% 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 |
23,459
+3.8% YoY+0.6% QoQ
|
+8.3K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 14.5% in tier |
| Assets |
$412.4M
+2.1% YoY+0.4% QoQ
|
+$180.4M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 9.3% in tier |
| Loans |
$305.6M
+9.1% YoY+0.9% QoQ
|
+$159.3M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 5.8% in tier |
| Deposits |
$340.5M
-2.1% YoY-1.1% QoQ
|
+$139.8M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 11.8% in tier |
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| ROA |
1.2%
+97.1% YoY+200.9% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
4.0%
+8.8% YoY+2.5% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
75.7%
-8.2% YoY-14.4% QoQ
|
-1.0% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
0.8%
+49.4% YoY+27.8% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
89.7%
+11.4% YoY+2.0% QoQ
|
+18.2% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$27,539
-0.8% YoY-0.8% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
8.9%
-42.3% YoY+16.0% QoQ
|
-15.7% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
42.2%
+22.9% YoY+3.1% QoQ
|
+28.5% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)