BlastPoint's Credit Union Scorecard

FARMERS INSURANCE

Charter #1074 · CA

Mid-Market 1B-3B

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

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FARMERS INSURANCE has 6 strengths but faces 15 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 25.8% in tier
+ Organic Growth Engine: Top 29.8% in tier
+ Net Interest Margin 1.60% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 3.3% in tier
+ Loan-to-Member Ratio (LMR): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 0.0% in tier
- Shrinking Wallet Share: Bottom 1.3% in tier
- Credit Quality Pressure: Bottom 4.0% in tier
- Wealth Migration Risk: Bottom 8.7% in tier
- Liquidity Strain: Bottom 14.7% in tier
- Deposit Outflow: Bottom 30.4% in tier
- ROA 0.62% below tier average
- Efficiency ratio 0.88% above tier (higher cost structure)
- Delinquency rate 0.82% above tier average
- Loan Growth Rate: Bottom 2.3% in tier
- AMR Growth Rate: Bottom 2.3% in tier
- Asset Growth Rate: Bottom 2.6% in tier
- Deposit Growth Rate: Bottom 2.6% in tier
- Net Charge-Off Rate: Bottom 3.0% in tier
- Total Delinquency Rate (60+ days): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	66,070 +1.9% YoY+0.4% QoQ	-32.6K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	20%
Assets	$1.3B -8.7% YoY-4.2% QoQ	$-385.5M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	33%
Loans	$1.2B -10.7% YoY-1.3% QoQ	$-3.3M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	60%
Deposits	$1.2B -6.1% YoY-4.7% QoQ	$-299.9M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	37%

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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	0.1% -125.1% YoY-152.5% QoQ	-0.6%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 4.9% in tier
NIM	4.9% +4.8% YoY+4.6% QoQ	+1.6%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Top 0.7% in tier
Efficiency Ratio	74.9% +1.2% YoY-3.1% QoQ	+0.9%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	52%
Delinquency Rate	1.6% +31.3% YoY+1.1% QoQ	+0.8	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Top 7.6% in tier
Loan To Share	106.5% -4.9% YoY+3.6% QoQ	+21.3%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Top 3.6% in tier
AMR	$36,085 -10.2% YoY-3.3% QoQ	+$7K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 14.5% in tier
CD Concentration	26.9% +13.1% YoY+5.7% QoQ	-2.1%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	43%
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#102 of 138 • Top 25.8% in tier

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

Why This Signature

Member Growth (YoY): 1.94%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Engine

growth

#217 of 246 • Top 29.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.94%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.09%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (6)

Capital Constraint

risk

#1 of 9 • 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: 106.52%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -6.09%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 9.81%

(Tier: 11.30%, National: 14.51%)

worse than tier avg

9 of 380 Mid-Market CUs have this signature | 29 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#5 of 83 • Bottom 1.3% in tier

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

Why This Signature

AMR Growth (YoY): -10.25%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk

#32 of 217 • Bottom 4.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.39% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Wealth Migration Risk

decline

#5 of 10 • Bottom 8.7% in tier

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

Why This Signature

Avg Member Relationship: $36.1K

(Tier: $29.2K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -10.25%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

10 of 380 Mid-Market CUs have this signature | 39 nationally

↓ Shrinking -11 CUs YoY

Liquidity Strain

risk

#78 of 183 • Bottom 14.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 106.52%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -10.67%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Deposit Outflow

decline

#8 of 24 • Bottom 30.4% 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): -6.09%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.94%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 109 nationally

↓ Shrinking -33 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.86%

Peer Avg: -

#2 of 304 Top 0.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 106.52%

Peer Avg: -

#11 of 304 Top 3.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,613

Peer Avg: -

#21 of 304 Top 6.6% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $36,085

Peer Avg: -

#44 of 304 Top 14.1% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 23.11%

Peer Avg: -

#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (10 metrics)

298

Loan Growth Rate

growth

Value: -10.67%

Peer Avg: -

#298 of 304 Bottom 2.3% in 1B-3B tier

298

AMR Growth Rate

growth

Value: -10.25%

Peer Avg: -

#298 of 304 Bottom 2.3% in 1B-3B tier

297

Asset Growth Rate

growth

Value: -8.70%

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

297

Deposit Growth Rate

growth

Value: -6.09%

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

296

Net Charge-Off Rate

risk

Value: 1.62%

Peer Avg: -

#296 of 304 Bottom 3.0% in 1B-3B tier

289

Return on Assets (ROA)

profitability

Value: 0.09%

Peer Avg: -

#289 of 304 Bottom 5.3% in 1B-3B tier

282

Total Delinquency Rate (60+ days)

risk

Value: 1.65%

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

258

Members Per Employee (MPE)

engagement

Value: 286.017

Peer Avg: -

#258 of 304 Bottom 15.5% in 1B-3B tier

242

Total Members

engagement

Value: 66,070

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier

236

Fee Income Per Member

profitability

Value: $160.39

Peer Avg: -

#236 of 304 Bottom 22.7% in 1B-3B tier