BlastPoint's Credit Union Scorecard
REDLANDS CITY EMPLOYEES
Charter #9778 · CA
2596 CUs in <100M nationally
92 in CA
REDLANDS CITY EMPLOYEES demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 0.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.6% in tier
- + Net Worth Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
728
-1.5% YoY-0.7% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$9.7M
-0.2% YoY-0.3% QoQ
|
$-20.1M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$6.0M
+2.2% YoY+1.4% QoQ
|
$-9.8M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$7.1M
-2.8% YoY-1.1% QoQ
|
$-18.4M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
29% |
| ROA |
1.9%
-32.1% YoY+7.0% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 10.1% in tier |
| NIM |
4.5%
-5.0% YoY+0.9% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
54.1%
+34.1% YoY-9.6% QoQ
|
-27.3% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
1.0%
-20.2% YoY-21.7% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
84.1%
+5.2% YoY+2.5% QoQ
|
+22.9% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$17,924
+0.9% YoY+0.7% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
0.3%
+2.9% YoY+1.1% QoQ
|
-24.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
224
Efficiency Ratio
profitability
Value:
54.08%
Peer Avg: 81.39%
#224 of 2596
Top 8.6% in <100M tier
234
Net Worth Ratio
risk
Value:
26.57%
Peer Avg: 16.43%
#234 of 2596
Top 9.0% in <100M tier
262
Return on Assets (ROA)
profitability
Value:
1.94%
Peer Avg: 0.68%
#262 of 2596
Top 10.1% in <100M tier
437
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,188
Peer Avg: $5,488
#437 of 2596
Top 16.8% in <100M tier
461
Loan-to-Share Ratio
balance_sheet
Value:
84.09%
Peer Avg: 61.23%
#461 of 2596
Top 17.7% in <100M tier
604
Share Certificate Concentration (%)
balance_sheet
Value:
0.28%
Peer Avg: 15.37%
#604 of 2596
Top 23.2% in <100M tier
Top Weaknesses (2 metrics)
2178
Fee Income Per Member
profitability
Value:
$6.75
Peer Avg: $182.96
#2178 of 2596
Bottom 16.1% in <100M tier
2056
Total Members
engagement
Value:
728
Peer Avg: 2,626
#2056 of 2596
Bottom 20.8% in <100M tier