BlastPoint's Credit Union Scorecard
FOOTHILL
Charter #12425 · CA
FOOTHILL has 4 strengths but faces 3 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 12.7% in tier
- + Organic Growth Engine: Top 12.7% in tier
- + Relationship Depth Leader: Top 72.5% in tier
- + Total Delinquency Rate (60+ days): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 10.8% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 14.99% above tier (higher cost structure)
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +1.7% year over year ($655M in shares and deposits).
- Membership: 35,039 members, +4.2% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 0.41%.
- Efficiency ratio 89.53% vs a 74.54% peer average.
- Loan-to-share ratio 86.41% vs a 82.60% 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 |
35,039
+4.2% YoY+1.1% QoQ
|
-17.4K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$778.6M
+2.0% YoY+0.8% QoQ
|
$-85.3M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$565.7M
+9.9% YoY+4.2% QoQ
|
$-42.1M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$654.7M
+1.7% YoY-2.1% QoQ
|
$-85.2M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.7% in tier |
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| ROA |
0.4%
-41.4% YoY-9.7% QoQ
|
-0.4% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
3.0%
+10.4% YoY+0.4% QoQ
|
-0.5% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
89.5%
+14.4% YoY+0.5% QoQ
|
+15.0% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
0.2%
-4.0% YoY+22.5% QoQ
|
-0.6 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 6.3% in tier |
| Loan To Share |
86.4%
+8.0% YoY+6.4% QoQ
|
+3.8% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$34,829
+1.1% YoY-0.4% QoQ
|
+$6K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
26.2%
-25.9% YoY-7.1% QoQ
|
+1.7% | 24.6% | 22.2% | 20.0% | 58% |
| Indirect Auto % |
1.6%
+456.0% YoY+32.7% QoQ
|
-12.0% | 13.6% | 9.2% | 7.7% | 38% |
Signature Analysis
Strengths (3)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)