BlastPoint's Credit Union Scorecard
ESPEECO
Charter #9590 · CA
ESPEECO has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.81% below tier average
- - Efficiency ratio 24.63% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.8% in tier
- - Net Charge-Off Rate: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,087
+0.6% YoY+1.0% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$11.7M
+5.5% YoY-4.3% QoQ
|
$-18.2M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$6.3M
-1.1% YoY+3.7% QoQ
|
$-9.5M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$10.9M
+6.3% YoY-3.7% QoQ
|
$-14.5M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
-0.1%
-107.6% YoY-113.2% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.4% in tier |
| NIM |
3.7%
-15.4% YoY+3.0% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
106.0%
+57.6% YoY-0.7% QoQ
|
+24.6% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
0.6%
-8.5% YoY-46.4% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
57.6%
-6.9% YoY+7.7% QoQ
|
-3.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$15,849
+2.8% YoY-2.1% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
19.3%
+80.9% YoY+15.6% QoQ
|
-5.2% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)