BlastPoint's Credit Union Scorecard

FARMERS INSURANCE

Charter #1074 · CA

Mid-Market 1B-3B

FIG at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

FIG is one of 101 credit unions in the 2026 VentureTech card set. We also found FIG's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

FIG

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FIG
PEER · AT VENTURETECH
PEER · AT VENTURETECH
FIG'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 37 in CA

View Mid-Market leaderboard →

FARMERS INSURANCE has 3 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

+ Net Interest Margin 1.23% above tier average
+ Loan-to-Share Ratio: Top 6.7% in tier
+ Loan-to-Member Ratio (LMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 8.3% in tier
- Liquidity Strain: Bottom 8.3% in tier
- Wealth Migration Risk: Bottom 18.7% in tier
- Shrinking Wallet Share: Bottom 96.0% in tier
- Deposit Outflow: Bottom 99.5% in tier
- ROA 0.52% below tier average
- Efficiency ratio 4.81% above tier (higher cost structure)
- Delinquency rate 0.71% above tier average

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	66,499 +1.0% YoY+4.3% QoQ	-30.4K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	22%
Assets	$1.3B -4.5% YoY-2.7% QoQ	$-394.4M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	33%
Loans	$1.2B -4.9% YoY+1.4% QoQ	$-49.5M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	55%
Deposits	$1.1B -5.8% YoY-1.9% QoQ	$-322.5M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	35%

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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	0.3% -277.3% YoY-17.6% QoQ	-0.5%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Bottom 11.3% in tier
NIM	4.7% +0.1% YoY+1.4% QoQ	+1.2%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Top 2.3% in tier
Efficiency Ratio	77.8% +0.8% YoY+0.0% QoQ	+4.8%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	69%
Delinquency Rate	1.6% -3.5% YoY+20.4% QoQ	+0.7	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Bottom 9.0% in tier
Loan To Share	103.8% +1.0% YoY+3.4% QoQ	+19.1%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Top 7.0% in tier
AMR	$34,971 -6.3% YoY-4.3% QoQ	+$5K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	82%
CD Concentration	36.8% +44.3% YoY+9.0% QoQ	+7.7%	29.1%	22.2%	20.0%	82%
Indirect Auto %	0.0%	-18.1%	18.1%	9.2%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#100 of 112 • Top 62.4% in tier

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

Why This Signature

Member Growth (YoY): 1.00%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank worsening

Organic Growth Engine

growth

#107 of 113 • Top 62.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.00%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.30%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Concerns (5)

Capital Constraint

risk

#1 of 7 • Bottom 8.3% 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: 103.85%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -5.79%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 9.86%

(Tier: 11.45%, National: 14.66%)

worse than tier avg

7 of 377 Mid-Market CUs have this signature | 27 nationally

→ Stable (9→7 CUs) -2 CUs YoY

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): -5.79%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.00%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#16 of 69 • Bottom 96.0% in tier

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

Why This Signature

AMR Growth (YoY): -6.27%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Liquidity Strain

risk

#84 of 168 • Bottom 8.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 103.85%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -4.89%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Wealth Migration Risk

decline

#9 of 11 • Bottom 18.7% in tier

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

Why This Signature

Avg Member Relationship: $35.0K

(Tier: $29.9K, National: $20.0K)

but better than tier avg

AMR Growth (YoY): -6.27%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

11 of 377 Mid-Market CUs have this signature | 24 nationally

→ Stable (15→11 CUs) -4 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 300 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.66%

Peer Median: 3.46%

#7 of 300 Top 2.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 103.85%

Peer Median: 87.07%

#21 of 300 Top 6.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,815

Peer Median: $12,809

#28 of 300 Top 9.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,971

Peer Median: $28,089

#53 of 300 Top 17.3% in 1B-3B tier

Top Weaknesses (11 metrics)

297

Deposit Growth Rate

growth

Value: -5.79%

Peer Median: 4.79%

#297 of 300 Bottom 1.3% in 1B-3B tier

295

Asset Growth Rate

growth

Value: -4.48%

Peer Median: 5.21%

#295 of 300 Bottom 2.0% in 1B-3B tier

289

Loan Growth Rate

growth

Value: -4.89%

Peer Median: 5.71%

#289 of 300 Bottom 4.0% in 1B-3B tier

288

AMR Growth Rate

growth

Value: -6.27%

Peer Median: 3.19%

#288 of 300 Bottom 4.3% in 1B-3B tier

288

Net Charge-Off Rate

risk

Value: 1.37%

Peer Median: 0.52%

#288 of 300 Bottom 4.3% in 1B-3B tier

274

Total Delinquency Rate (60+ days)

risk

Value: 1.57%

Peer Median: 0.70%

#274 of 300 Bottom 9.0% in 1B-3B tier

272

Fee Income Per Member

profitability

Value: $126.61

Peer Median: $204.73

#272 of 300 Bottom 9.7% in 1B-3B tier

266

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.77%

#266 of 300 Bottom 11.7% in 1B-3B tier

257

Share Certificate Concentration (%)

balance_sheet

Value: 36.75%

Peer Median: 28.24%

#257 of 300 Bottom 14.7% in 1B-3B tier

235

Total Members

engagement

Value: 66,499

Peer Median: 86,516

#235 of 300 Bottom 22.0% in 1B-3B tier