BlastPoint's Credit Union Scorecard

FARMERS INSURANCE

Charter #1074 · CA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

FARMERS INSURANCE has 6 strengths but faces 14 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 91.5% in tier
+ Organic Growth Engine: Top 93.9% in tier
+ Net Interest Margin 1.71% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 3.6% in tier
+ Loan-to-Member Ratio (LMR): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 0.0% in tier
- Shrinking Wallet Share: Bottom 6.4% in tier
- Credit Quality Pressure: Bottom 14.8% in tier
- Deposit Outflow: Bottom 22.2% in tier
- Liquidity Strain: Bottom 41.8% in tier
- Wealth Migration Risk: Bottom 58.3% in tier
- ROA 0.50% below tier average
- Efficiency ratio 1.68% above tier (higher cost structure)
- Delinquency rate 0.63% above tier average
- Loan Growth Rate: Bottom 1.7% in tier
- Net Charge-Off Rate: Bottom 2.3% in tier
- Asset Growth Rate: Bottom 2.6% in tier
- Deposit Growth Rate: Bottom 2.6% in tier
- AMR Growth Rate: Bottom 2.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	65,853 +1.2% YoY-0.3% QoQ	-31.6K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	21%
Assets	$1.3B -7.5% YoY+0.1% QoQ	$-388.4M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	32%
Loans	$1.2B -11.9% YoY-2.7% QoQ	$-38.5M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	58%
Deposits	$1.1B -7.1% YoY-2.2% QoQ	$-330.2M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	33%

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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	0.2% -128.7% YoY+114.5% QoQ	-0.5%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 9.6% in tier
NIM	5.0% +5.5% YoY+2.4% QoQ	+1.7%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Top 0.7% in tier
Efficiency Ratio	75.7% -1.9% YoY+1.2% QoQ	+1.7%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	57%
Delinquency Rate	1.5% +32.7% YoY-7.0% QoQ	+0.6	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 12.6% in tier
Loan To Share	105.9% -5.1% YoY-0.6% QoQ	+21.1%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Top 4.0% in tier
AMR	$35,306 -10.7% YoY-2.2% QoQ	+$6K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	85%
CD Concentration	28.3% +14.1% YoY+5.0% QoQ	-0.8%	29.0%	21.7%	19.8%	48%
Indirect Auto %	0.0%	-18.3%	18.3%	9.2%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#130 of 142 • Top 91.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.15%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth

#232 of 247 • Top 93.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.15%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.19%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (6)

Capital Constraint

risk

#1 of 7 • Bottom 0.0% 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: 105.92%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -7.13%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 9.67%

(Tier: 11.27%, National: 14.49%)

worse than tier avg

7 of 378 Mid-Market CUs have this signature | 32 nationally

→ No prior data (7 CUs now) | New qualifier

Shrinking Wallet Share

decline

#6 of 79 • Bottom 6.4% in tier

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

Why This Signature

AMR Growth (YoY): -10.68%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Credit Quality Pressure

risk

#32 of 211 • Bottom 14.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Deposit Outflow

decline

#5 of 19 • Bottom 22.2% 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): -7.13%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 1.15%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 91 nationally

→ No prior data (19 CUs now) | New qualifier

Liquidity Strain

risk

#70 of 166 • Bottom 41.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 105.92%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -11.91%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Wealth Migration Risk

decline

#8 of 13 • Bottom 58.3% in tier

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

Why This Signature

Avg Member Relationship: $35.3K

(Tier: $29.5K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -10.68%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

13 of 378 Mid-Market CUs have this signature | 34 nationally

→ No prior data (13 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 302 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.98%

Peer Median: -

#2 of 302 Top 0.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 105.92%

Peer Median: -

#12 of 302 Top 3.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,160

Peer Median: -

#29 of 302 Top 9.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $35,306

Peer Median: -

#46 of 302 Top 14.9% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 21.75%

Peer Median: -

#62 of 302 Top 20.2% in 1B-3B tier

Top Weaknesses (11 metrics)

298

Loan Growth Rate

growth

Value: -11.91%

Peer Median: -

#298 of 302 Bottom 1.7% in 1B-3B tier

296

Net Charge-Off Rate

risk

Value: 1.61%

Peer Median: -

#296 of 302 Bottom 2.3% in 1B-3B tier

295

Asset Growth Rate

growth

Value: -7.55%

Peer Median: -

#295 of 302 Bottom 2.6% in 1B-3B tier

295

Deposit Growth Rate

growth

Value: -7.13%

Peer Median: -

#295 of 302 Bottom 2.6% in 1B-3B tier

295

AMR Growth Rate

growth

Value: -10.68%

Peer Median: -

#295 of 302 Bottom 2.6% in 1B-3B tier

273

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

267

Fee Income Per Member

profitability

Value: $131.36

Peer Median: -

#267 of 302 Bottom 11.9% in 1B-3B tier

265

Total Delinquency Rate (60+ days)

risk

Value: 1.53%

Peer Median: -

#265 of 302 Bottom 12.6% in 1B-3B tier

245

Members Per Employee (MPE)

engagement

Value: 290.101

Peer Median: -

#245 of 302 Bottom 19.2% in 1B-3B tier

239

Total Members

engagement

Value: 65,853

Peer Median: -

#239 of 302 Bottom 21.2% in 1B-3B tier