BlastPoint's Credit Union Scorecard

FAIRFIELD

Charter #12305 · AR

<100M

2508 CUs in <100M nationally 43 in AR

FAIRFIELD demonstrates 4 strengths

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 2.17% above tier average
+ Total Assets: Top 0.1% in tier
+ Total Members: Top 1.5% in tier
+ Total Deposits: Top 4.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	9,534 -0.3% YoY-1.3% QoQ	+6.9K	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	Top 1.6% in tier
Assets	$99.0M +1.5% YoY+2.4% QoQ	+$68.8M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	Top 0.2% in tier
Loans	$32.2M -8.2% YoY-3.2% QoQ	+$16.9M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	Top 15.0% in tier
Deposits	$76.0M +0.2% YoY+2.5% QoQ	+$50.3M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	Top 4.6% in tier

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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	2.3% +161.9% YoY+186.3% QoQ	+2.2%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	Top 4.0% in tier
NIM	3.9% -7.5% YoY-7.5% QoQ	-0.1%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	74.5% +2.3% YoY-0.1% QoQ	-16.1%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	1.5% -30.8% YoY-42.6% QoQ	+0.0	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	75%
Loan To Share	42.4% -8.4% YoY-5.6% QoQ	-16.2%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	25%
AMR	$11,353 -2.1% YoY+2.1% QoQ	$-4K	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	35%
CD Concentration	1.6% -17.2% YoY-5.7% QoQ	-22.6%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0% -97.1% YoY	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

Total Assets

balance_sheet

Value: $99.03M

Peer Median: $21.86M

#4 of 2508 Top 0.1% in <100M tier

Total Members

engagement

Value: 9,534

Peer Median: 1,918

#38 of 2508 Top 1.5% in <100M tier

101

Return on Assets (ROA)

profitability

Value: 2.32%

Peer Median: 0.61%

#101 of 2508 Top 4.0% in <100M tier

116

Total Deposits

balance_sheet

Value: $76.03M

Peer Median: $18.77M

#116 of 2508 Top 4.6% in <100M tier

331

Fee Income Per Member

profitability

Value: $143.36

Peer Median: $60.42

#331 of 2508 Top 13.2% in <100M tier

350

Net Worth Ratio

risk

Value: 23.09%

Peer Median: 14.28%

#350 of 2508 Top 13.9% in <100M tier

377

Total Loans

balance_sheet

Value: $32.21M

Peer Median: $9.48M

#377 of 2508 Top 15.0% in <100M tier

Top Weaknesses (4 metrics)

2109

Indirect Auto Concentration (%)

balance_sheet

Value: 0.01%

Peer Median: 0.00%

#2109 of 2508 Bottom 15.9% in <100M tier

1991

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: 0.07%

#1991 of 2508 Bottom 20.7% in <100M tier

1887

Loan-to-Share Ratio

balance_sheet

Value: 42.36%

Peer Median: 58.72%

#1887 of 2508 Bottom 24.8% in <100M tier

1882

Total Delinquency Rate (60+ days)

risk

Value: 1.54%

Peer Median: 0.65%

#1882 of 2508 Bottom 25.0% in <100M tier