BlastPoint's Credit Union Scorecard
CLEARPATH
Charter #9556 · CA
CLEARPATH has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.0% in tier
- + Wallet Share Momentum: Top 0.6% in tier
- + Credit Quality Leader: Top 88.2% in tier
- + AMR Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 1.0% in tier
- + Asset Growth Rate: Top 1.5% in tier
- + Deposit Growth Rate: Top 1.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
- + First Mortgage Concentration (%): Top 9.7% in tier
- + Average Member Relationship (AMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.2% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 13.51% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,635
-0.1% YoY-0.2% QoQ
|
-5.0K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$214.5M
+27.3% YoY-0.7% QoQ
|
$-16.8M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$169.2M
+40.9% YoY+8.6% QoQ
|
+$21.4M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$195.5M
+27.7% YoY-1.3% QoQ
|
$-4.7M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
0.1%
-11.4% YoY-178.1% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.9% in tier |
| NIM |
2.6%
-17.4% YoY+4.8% QoQ
|
-1.0% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
90.8%
-2.2% YoY-3.9% QoQ
|
+13.5% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 9.8% in tier |
| Delinquency Rate |
0.4%
-55.4% YoY+55.7% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
86.5%
+10.3% YoY+10.0% QoQ
|
+13.8% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$34,294
+33.7% YoY+3.3% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 9.8% in tier |
| CD Concentration |
40.6%
+215.8% YoY+1.6% QoQ
|
+16.2% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.5%
-58.7% YoY-31.2% QoQ
|
-10.5% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
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)