BlastPoint's Credit Union Scorecard
CAHP
Charter #95071 · CA
CAHP has 13 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.3% in tier
- + Organic Growth Leader: Top 62.6% in tier
- + Wallet Share Momentum: Top 86.5% in tier
- + ROA 0.09% above tier average
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.9% in tier
- + Total Delinquency Rate (60+ days): Top 3.5% in tier
- + Deposit Growth Rate: Top 6.1% in tier
- + Asset Growth Rate: Top 6.5% in tier
- + Total Loans: Top 7.7% in tier
- + Total Deposits: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 66.7% in tier
- - Margin Compression: Bottom 68.8% in tier
- - Efficiency Drag: Bottom 74.3% in tier
- - Efficiency ratio 4.20% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,578
+1.9% YoY-0.6% QoQ
|
+7.1K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$391.7M
+12.5% YoY+2.4% QoQ
|
+$159.8M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 12.4% in tier |
| Loans |
$287.6M
+2.1% YoY-0.3% QoQ
|
+$140.3M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 7.8% in tier |
| Deposits |
$354.3M
+12.8% YoY+2.4% QoQ
|
+$153.5M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 9.5% in tier |
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 |
0.9%
-19.0% YoY-0.1% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.9%
-7.1% YoY-1.0% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
81.2%
+10.2% YoY-0.7% QoQ
|
+4.2% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.1%
-31.3% YoY+13.1% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.5% in tier |
| Loan To Share |
81.2%
-9.5% YoY-2.6% QoQ
|
+8.9% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$28,431
+5.7% YoY+1.8% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
50.9%
+0.5% YoY-0.3% QoQ
|
+26.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)