BlastPoint's Credit Union Scorecard

SOUTH BAY

Charter #95052 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

SOUTH BAY has 3 strengths but faces 3 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 10.80% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,898 +1.6% YoY+1.1% QoQ	-5.5K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	31%
Assets	$156.8M -0.8% YoY+2.4% QoQ	$-75.0M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	33%
Loans	$122.9M +0.6% YoY+0.8% QoQ	$-24.4M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	49%
Deposits	$140.8M +7.0% YoY+2.6% QoQ	$-60.0M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	35%

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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	0.5% -182.1% YoY+42.6% QoQ	-0.3%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	28%
NIM	3.7% +11.6% YoY-1.6% QoQ	+0.1%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	54%
Efficiency Ratio	87.8% -10.8% YoY-2.1% QoQ	+10.8%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Bottom 14.4% in tier
Delinquency Rate	0.6% -21.3% YoY+15.3% QoQ	-0.3	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	38%
Loan To Share	87.3% -6.0% YoY-1.7% QoQ	+15.1%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	80%
AMR	$26,646 +2.3% YoY+0.6% QoQ	+$2K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	71%
CD Concentration	29.6% +9.1% YoY+10.9% QoQ	+5.2%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0% -71.7% YoY	-13.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#300 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.58%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.02%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#500 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.58%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.46%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.02%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#289 of 538 • 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: 87.82%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 1.01% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 1.58%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (4 metrics)

218

Fee Income Per Member

profitability

Value: $227.26

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

218

Loan-to-Share Ratio

balance_sheet

Value: 87.32%

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

219

Members Per Employee (MPE)

engagement

Value: 395.920

Peer Median: -

#219 of 1069 Top 20.4% in 100M-500M tier

230

Loan-to-Member Ratio (LMR)

engagement

Value: $12,421

Peer Median: -

#230 of 1069 Top 21.4% in 100M-500M tier

Top Weaknesses (4 metrics)

941

Asset Growth Rate

growth

Value: -0.76%

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier

916

Efficiency Ratio

profitability

Value: 87.82%

Peer Median: -

#916 of 1069 Bottom 14.4% in 100M-500M tier

879

First Mortgage Concentration (%)

balance_sheet

Value: 47.02%

Peer Median: -

#879 of 1069 Bottom 17.9% in 100M-500M tier

832

Net Worth Ratio

risk

Value: 9.64%

Peer Median: -

#832 of 1069 Bottom 22.3% in 100M-500M tier