BlastPoint's Credit Union Scorecard
CLEARPATH
Charter #9556 · CA
CLEARPATH has 11 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 1.9% in tier
- + Wallet Share Momentum: Top 2.5% in tier
- + Organic Growth Leader: Top 76.2% in tier
- + Organic Growth Engine: Top 95.1% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Asset Growth Rate: Top 2.1% in tier
- + Deposit Growth Rate: Top 3.9% in tier
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
- + Loan-to-Share Ratio: Top 8.7% in tier
- + First Mortgage Concentration (%): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.5% in tier
- - Liquidity Strain: Bottom 33.0% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 12.48% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 8.1% in tier
- - Share Certificate Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,760
+1.3% YoY+1.2% QoQ
|
-4.7K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$217.6M
+18.7% YoY+1.5% QoQ
|
$-14.2M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$180.5M
+39.8% YoY+6.7% QoQ
|
+$33.1M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$193.0M
+14.6% YoY-1.3% QoQ
|
$-7.8M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
57% |
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 |
0.2%
-51.2% YoY+62.8% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.8% in tier |
| NIM |
2.6%
-8.6% YoY+1.9% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
89.5%
+3.3% YoY-1.4% QoQ
|
+12.5% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 11.3% in tier |
| Delinquency Rate |
0.3%
-51.9% YoY-8.7% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
93.5%
+22.0% YoY+8.1% QoQ
|
+21.3% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 8.8% in tier |
| AMR |
$34,705
+23.9% YoY+1.2% QoQ
|
+$10K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 10.1% in tier |
| CD Concentration |
39.5%
+86.4% YoY-2.6% QoQ
|
+15.1% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
5.9%
-15.6% YoY+70.3% QoQ
|
-7.9% | 13.8% | 9.2% | 7.8% | 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 (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)