BlastPoint's Credit Union Scorecard

MONTEREY

Charter #97071 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

MONTEREY has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 10.2% YoY
+ Member Growth Rate: Top 4.2% in tier
+ Loan Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 1.65% below tier average
- Efficiency ratio 28.62% above tier (higher cost structure)
- Delinquency rate 0.22% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	21,026 +10.2% YoY+4.4% QoQ	+5.9K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	80%
Assets	$357.0M +6.7% YoY-0.1% QoQ	+$125.2M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	83%
Loans	$257.0M +13.5% YoY+1.0% QoQ	+$112.8M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Top 11.5% in tier
Deposits	$316.2M +9.1% YoY+1.0% QoQ	+$115.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.9% -49.4% YoY+15.5% QoQ	-1.7%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 1.5% in tier
NIM	3.3% +21.9% YoY+9.7% QoQ	-0.3%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	106.6% -25.2% YoY-1.4% QoQ	+28.6%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 1.6% in tier
Delinquency Rate	1.0% +68.2% YoY-6.1% QoQ	+0.2	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	76%
Loan To Share	81.3% +4.1% YoY-0.1% QoQ	+10.8%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	71%
AMR	$27,263 +0.8% YoY-3.2% QoQ	+$2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	71%
CD Concentration	26.9% +18.1% YoY-6.3% QoQ	+2.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	31.7% +72.1% YoY+1.8% QoQ	+17.9%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Risk Growth

risk

#31 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 13.55%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#160 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#226 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.65%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 31.70%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 10.18%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#385 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 106.64%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.90% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 10.18%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 10.18%

Peer Median: -0.06%

#46 of 1070 Top 4.2% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.55%

Peer Median: 2.93%

#90 of 1070 Top 8.3% in 100M-500M tier

123

Total Loans

balance_sheet

Value: $256.99M

Peer Median: $121.41M

#123 of 1070 Top 11.4% in 100M-500M tier

131

Deposit Growth Rate

growth

Value: 9.11%

Peer Median: 3.30%

#131 of 1070 Top 12.1% in 100M-500M tier

170

Total Deposits

balance_sheet

Value: $316.25M

Peer Median: $171.29M

#170 of 1070 Top 15.8% in 100M-500M tier

183

Total Assets

balance_sheet

Value: $356.96M

Peer Median: $196.57M

#183 of 1070 Top 17.0% in 100M-500M tier

211

First Mortgage Concentration (%)

balance_sheet

Value: 14.73%

Peer Median: 29.47%

#211 of 1070 Top 19.6% in 100M-500M tier

215

Total Members

engagement

Value: 21,026

Peer Median: 13,200

#215 of 1070 Top 20.0% in 100M-500M tier

244

Loan-to-Member Ratio (LMR)

engagement

Value: $12,222

Peer Median: $9,356

#244 of 1070 Top 22.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1054

Return on Assets (ROA)

profitability

Value: -0.92%

Peer Median: 0.69%

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1054

Efficiency Ratio

profitability

Value: 106.64%

Peer Median: 78.68%

#1054 of 1070 Bottom 1.6% in 100M-500M tier

963

Net Worth Ratio

risk

Value: 8.70%

Peer Median: 11.45%

#963 of 1070 Bottom 10.1% in 100M-500M tier

917

Indirect Auto Concentration (%)

balance_sheet

Value: 31.70%

Peer Median: 6.61%

#917 of 1070 Bottom 14.4% in 100M-500M tier

814

Total Delinquency Rate (60+ days)

risk

Value: 0.99%

Peer Median: 0.61%

#814 of 1070 Bottom 24.0% in 100M-500M tier