BlastPoint's Credit Union Scorecard

FAMILY TRUST

Charter #11554 · SC

Community 750M-1B

117 CUs in 750M-1B nationally 1 in SC

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FAMILY TRUST has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.11% above tier average
+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.5% in tier
- Credit Risk Growth: Bottom 23.3% in tier
- Credit Quality Pressure: Bottom 33.4% in tier
- Margin Compression: Bottom 37.4% in tier
- Indirect Auto Dependency: Bottom 37.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	59,524 +4.0% YoY+1.1% QoQ	+8.0K	51,500 +0.7% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	71%
Assets	$804.3M +5.6% YoY+3.8% QoQ	$-61.3M	$865.6M +0.9% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	26%
Loans	$631.4M +8.4% YoY+1.6% QoQ	+$36.1M	$595.3M +1.6% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	57%
Deposits	$676.9M +3.7% YoY+3.1% QoQ	$-65.3M	$742.2M +0.6% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	20%

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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	0.9% -13.2% YoY-16.9% QoQ	+0.1%	0.8% +45.0% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	59%
NIM	3.5% -3.5% YoY-2.5% QoQ	+0.1%	3.5% +6.1% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	74.5% +6.6% YoY+5.0% QoQ	-1.1%	75.5% -3.4% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.6% +29.6% YoY-29.3% QoQ	-0.1	0.7% -0.1% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	49%
Loan To Share	93.3% +4.6% YoY-1.4% QoQ	+12.7%	80.6% +0.7% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	84%
AMR	$21,979 +1.8% YoY+1.2% QoQ	$-7K	$28,908 +0.7% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	21%
CD Concentration	27.2% -3.1% YoY-4.6% QoQ	+3.0%	24.3%	18.0%	19.8%	62%
Indirect Auto %	19.3% -12.6% YoY-1.0% QoQ	+5.5%	13.8%	5.9%	7.7%	70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk

#212 of 476 • Bottom 23.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.41%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Strain

risk

#89 of 183 • Bottom 7.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.28%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.41%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#446 of 727 • Bottom 33.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#402 of 504 • Bottom 37.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.55%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 19.30%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.04%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Margin Compression

decline

#114 of 133 • Bottom 37.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.87%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.00%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 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 117 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 93.28%

Peer Median: 84.41%

#19 of 117 Top 15.4% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 437.676

Peer Median: 328.468

#19 of 117 Top 15.4% in 750M-1B tier

Member Growth Rate

growth

Value: 4.04%

Peer Median: 0.97%

#27 of 117 Top 22.2% in 750M-1B tier

Top Weaknesses (2 metrics)

Total Deposits

balance_sheet

Value: $676.90M

Peer Median: $735.65M

#94 of 117 Bottom 20.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $21,979

Peer Median: $26,209

#92 of 117 Bottom 22.2% in 750M-1B tier