BlastPoint's Credit Union Scorecard

FARMERS INSURANCE

Charter #1074 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

FARMERS INSURANCE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 61.1% in tier
+ Organic Growth Engine: Top 61.1% in tier
+ Net Interest Margin 1.24% above tier average
+ Loan-to-Share Ratio: Top 8.2% in tier
+ Loan-to-Member Ratio (LMR): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 9.9% in tier
- Liquidity Strain: Bottom 9.9% in tier
- Credit Quality Pressure: Bottom 15.8% in tier
- Wealth Migration Risk: Bottom 16.7% in tier
- Shrinking Wallet Share: Bottom 98.9% in tier
- Deposit Outflow: Bottom 99.5% in tier
- ROA 0.36% below tier average
- Efficiency ratio 3.20% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	63,748 +1.2% YoY-3.2% QoQ	-32.3K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	19%
Assets	$1.4B -5.4% YoY+2.4% QoQ	$-353.2M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	36%
Loans	$1.2B -12.1% YoY-2.3% QoQ	$-45.7M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	58%
Deposits	$1.2B -7.1% YoY+3.0% QoQ	$-302.9M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -207.1% YoY+91.0% QoQ	-0.4%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	20%
NIM	4.6% +1.2% YoY-7.8% QoQ	+1.2%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Top 2.6% in tier
Efficiency Ratio	77.8% +2.1% YoY+2.8% QoQ	+3.2%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	1.3% +21.8% YoY-14.7% QoQ	+0.5	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Bottom 11.4% in tier
Loan To Share	100.5% -5.5% YoY-5.2% QoQ	+17.3%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 8.5% in tier
AMR	$36,560 -10.8% YoY+3.6% QoQ	+$7K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	84%
CD Concentration	33.7% +40.5% YoY+19.4% QoQ	+4.9%	28.8%	21.6%	19.8%	72%
Indirect Auto %	0.0%	-18.1%	18.1%	9.0%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#101 of 116 • Top 61.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.20%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#108 of 115 • Top 61.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.20%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.36%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (6)

Capital Constraint

risk

#1 of 8 • Bottom 9.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 100.46%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -7.07%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 9.54%

(Tier: 11.28%, National: 14.35%)

worse than tier avg

8 of 384 Mid-Market CUs have this signature | 25 nationally

→ No prior data (8 CUs now) | New qualifier

Deposit Outflow

decline

#2 of 23 • Bottom 99.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -7.07%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.20%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

23 of 384 Mid-Market CUs have this signature | 98 nationally

→ No prior data (23 CUs now) | New qualifier

Shrinking Wallet Share

decline

#5 of 82 • Bottom 98.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -10.76%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#60 of 225 • Bottom 15.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Liquidity Strain

risk

#84 of 148 • Bottom 9.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.46%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -12.15%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Wealth Migration Risk

decline

#7 of 8 • Bottom 16.7% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $36.6K

(Tier: $29.9K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -10.76%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

8 of 384 Mid-Market CUs have this signature | 28 nationally

→ No prior data (8 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.59%

Peer Median: 3.37%

#8 of 306 Top 2.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 100.46%

Peer Median: 85.31%

#26 of 306 Top 8.2% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,322

Peer Median: $12,733

#26 of 306 Top 8.2% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $36,560

Peer Median: $28,178

#48 of 306 Top 15.4% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.58%

Peer Median: 33.05%

#67 of 306 Top 21.6% in 1B-3B tier

Top Weaknesses (11 metrics)

306

Members Per Employee (MPE)

engagement

Value: -

Peer Median: 345.077

#306 of 306 Bottom 0.1% in 1B-3B tier

303

Deposit Growth Rate

growth

Value: -7.07%

Peer Median: 4.44%

#303 of 306 Bottom 1.3% in 1B-3B tier

302

Loan Growth Rate

growth

Value: -12.15%

Peer Median: 5.67%

#302 of 306 Bottom 1.6% in 1B-3B tier

302

AMR Growth Rate

growth

Value: -10.76%

Peer Median: 3.15%

#302 of 306 Bottom 1.6% in 1B-3B tier

299

Asset Growth Rate

growth

Value: -5.37%

Peer Median: 4.82%

#299 of 306 Bottom 2.6% in 1B-3B tier

294

Net Charge-Off Rate

risk

Value: 1.40%

Peer Median: 0.51%

#294 of 306 Bottom 4.2% in 1B-3B tier

272

Total Delinquency Rate (60+ days)

risk

Value: 1.31%

Peer Median: 0.63%

#272 of 306 Bottom 11.4% in 1B-3B tier

265

Fee Income Per Member

profitability

Value: $131.22

Peer Median: $191.54

#265 of 306 Bottom 13.7% in 1B-3B tier

247

Total Members

engagement

Value: 63,748

Peer Median: 85,918

#247 of 306 Bottom 19.6% in 1B-3B tier

244

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: 0.66%

#244 of 306 Bottom 20.6% in 1B-3B tier