BlastPoint's Credit Union Scorecard
FRESNO GRANGERS
Charter #4163 · CA
FRESNO GRANGERS has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Loan-to-Member Ratio (LMR): Top 0.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Member decline: -2.3% YoY
- - First Mortgage Concentration (%): Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
589
-2.3% YoY-0.8% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$26.7M
-3.6% YoY+0.7% QoQ
|
$-3.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$15.3M
-3.7% YoY-1.8% QoQ
|
$-461K |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$20.6M
-5.2% YoY+2.6% QoQ
|
$-5.1M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.5%
-47.8% YoY-76.6% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
1.8%
-18.2% YoY-48.9% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
70.1%
+31.8% YoY+101.7% QoQ
|
-12.4% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.2% in tier |
| Loan To Share |
74.3%
+1.7% YoY-4.3% QoQ
|
+13.7% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$60,917
-2.3% YoY+1.5% QoQ
|
+$46K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 0.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)