BlastPoint's Credit Union Scorecard
MONTEREY
Charter #97071 · CA
MONTEREY has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9.4% YoY
- + Member Growth Rate: Top 3.6% in tier
- + Asset Growth Rate: Top 5.3% in tier
- + Loan Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.6% in tier
- - Credit Quality Pressure: Bottom 18.8% in tier
- - Indirect Auto Dependency: Bottom 22.2% in tier
- - Efficiency Drag: Bottom 34.3% in tier
- - ROA 1.56% below tier average
- - Efficiency ratio 31.16% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,142
+9.4% YoY0% QoQ
|
+4.7K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$357.3M
+13.3% YoY+1.3% QoQ
|
+$125.4M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$254.5M
+15.7% YoY+1.0% QoQ
|
+$107.2M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 13.6% in tier |
| Deposits |
$313.0M
+10.5% YoY+0.6% QoQ
|
+$112.2M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
-0.8%
-19.3% YoY-15.2% QoQ
|
-1.6% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.8% in tier |
| NIM |
3.0%
+7.9% YoY+2.6% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
108.2%
-6.7% YoY-4.6% QoQ
|
+31.2% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
1.1%
+83.7% YoY+46.4% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
81.3%
+4.8% YoY+0.4% QoQ
|
+9.1% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$28,178
+3.1% YoY+0.8% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
28.7%
+30.5% YoY+1.5% QoQ
|
+4.3% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
31.1%
+73.7% YoY+72.0% QoQ
|
+17.3% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)