BlastPoint's Credit Union Scorecard
CLEARPATH
Charter #9556 · CA
CLEARPATH has 8 strengths but faces 7 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
- + Loan Growth Rate: Top 1.3% in tier
- + Loan-to-Member Ratio (LMR): Top 6.8% in tier
- + AMR Growth Rate: Top 8.0% in tier
- + First Mortgage Concentration (%): Top 8.7% in tier
- + Loan-to-Share Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 1.36% below tier average
- - Efficiency ratio 31.67% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 5.7% in tier
- - Net Interest Margin (NIM): Bottom 7.1% in tier
- - Net Worth Ratio: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,929
+2.4% YoY+1.6% QoQ
|
-4.2K |
15,145
-2.5% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$224.4M
+3.2% YoY+3.1% QoQ
|
$-7.3M |
$231.7M
+0.8% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$183.1M
+30.0% YoY+1.5% QoQ
|
+$39.0M |
$144.1M
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$200.2M
+1.2% YoY+3.8% QoQ
|
$-913K |
$201.1M
+0.4% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
-0.6%
+57.4% YoY-465.2% QoQ
|
-1.4% |
0.7%
+5.1% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.1% in tier |
| NIM |
2.7%
+11.5% YoY+2.2% QoQ
|
-0.9% |
3.6%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
109.7%
+14.7% YoY+22.6% QoQ
|
+31.7% |
78.0%
-1.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate |
0.3%
-23.0% YoY+7.2% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
91.5%
+28.5% YoY-2.2% QoQ
|
+21.0% |
70.4%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 9.5% in tier |
| AMR |
$35,075
+10.5% YoY+1.1% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 10.0% in tier |
| CD Concentration |
41.8%
+29.1% YoY+5.8% QoQ
|
+17.5% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
9.6%
+94.2% YoY+62.3% QoQ
|
-4.2% | 13.8% | 9.0% | 7.7% | 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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)