BlastPoint's Credit Union Scorecard
FARMERS INSURANCE
Charter #1074 · CA
FARMERS INSURANCE has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 62.4% in tier
- + Organic Growth Engine: Top 62.4% in tier
- + 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits -5.8% year over year ($1.14B in shares and deposits).
- Membership: 66,499 members, +1.0% vs a year ago.
- Delinquency rate 1.57%.
- Return on assets 0.30%.
- Efficiency ratio 77.83% vs a 73.02% peer average.
- Loan-to-share ratio 103.85% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)