BlastPoint's Credit Union Scorecard
CLEARPATH
Charter #9556 · CA
CLEARPATH has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Loan Growth Rate: Top 1.9% in tier
- + Loan-to-Share Ratio: Top 5.8% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
- + First Mortgage Concentration (%): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 22.15% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 6.2% in tier
- - Net Interest Margin (NIM): Bottom 6.6% 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 +3.1% year over year ($204M in shares and deposits).
- Membership: 11,008 members, +3.3% vs a year ago.
- Delinquency rate 0.28%.
- Return on assets 0.19%.
- Efficiency ratio 98.89% vs a 76.73% peer average.
- Loan-to-share ratio 95.22% 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 |
11,008
+3.3% YoY+0.7% QoQ
|
-4.2K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$228.6M
+5.8% YoY+1.9% QoQ
|
$-3.4M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$194.4M
+24.8% YoY+6.2% QoQ
|
+$48.2M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$204.2M
+3.1% YoY+2.0% QoQ
|
+$3.5M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.2%
-241.6% YoY-130.5% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.3% in tier |
| NIM |
2.7%
+9.1% YoY-0.1% QoQ
|
-1.0% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio |
98.9%
+4.6% YoY-9.8% QoQ
|
+22.2% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate |
0.3%
+23.6% YoY-18.9% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
95.2%
+21.1% YoY+4.1% QoQ
|
+23.7% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 5.9% in tier |
| AMR |
$36,209
+9.1% YoY+3.2% QoQ
|
+$11K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 9.0% in tier |
| CD Concentration |
37.9%
-5.0% YoY-9.2% QoQ
|
+13.4% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
11.5%
+126.6% YoY+19.2% QoQ
|
-2.1% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)