BlastPoint's Credit Union Scorecard

FOOTHILL

Charter #12425 · CA

Community 750M-1B

112 CUs in 750M-1B nationally 15 in CA

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FOOTHILL has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community 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 13.7% in tier
+ Organic Growth Engine: Top 19.4% in tier
+ Credit Quality Leader: Top 48.1% in tier
+ Relationship Depth Leader: Top 83.6% in tier
+ Total Delinquency Rate (60+ days): Top 6.2% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 16.9% in tier
- Efficiency Drag: Bottom 21.2% in tier
- Credit Risk Growth: Bottom 23.7% in tier
- Credit Quality Pressure: Bottom 26.8% in tier
- ROA 0.08% below tier average
- Efficiency ratio 7.03% above tier (higher cost structure)
- Total Deposits: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	33,978 +2.9% YoY+1.0% QoQ	-18.1K	52,114 -2.1% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 13.4% in tier
Assets	$774.1M +1.1% YoY+1.4% QoQ	$-84.9M	$859.0M +0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	Bottom 13.4% in tier
Loans	$519.5M +6.4% YoY+0.9% QoQ	$-83.9M	$603.4M +1.0% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	23%
Deposits	$650.9M +4.4% YoY+1.1% QoQ	$-83.2M	$734.2M +0.9% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	Bottom 8.9% 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	0.6% -14.6% YoY-10.8% QoQ	-0.1%	0.7% +27.6% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	42%
NIM	2.8% +3.0% YoY+2.2% QoQ	-0.6%	3.4% +9.6% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	19%
Efficiency Ratio	81.5% +9.5% YoY+4.2% QoQ	+7.0%	74.5% -3.2% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	75%
Delinquency Rate	0.2% +13.5% YoY-3.5% QoQ	-0.6	0.8% +5.0% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 6.2% in tier
Loan To Share	79.8% +1.9% YoY-0.2% QoQ	-2.9%	82.7% +0.1% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	31%
AMR	$34,446 +2.3% YoY-0.0% QoQ	+$6K	$28,651 +2.5% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	80%
CD Concentration	37.4% -5.2% YoY+5.9% QoQ	+13.0%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	Top 11.0% in tier
Indirect Auto %	0.6% +109.2% QoQ	-13.4%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	35%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#182 of 430 • Top 13.7% in tier

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

Why This Signature

Member Growth (YoY): 2.91%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.62%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#357 of 603 • Top 19.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.91%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.63%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.62%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#164 of 340 • Top 48.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.22%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#215 of 257 • Top 83.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.28%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $3.6K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (4)

Cost Spiral

risk

#42 of 62 • Bottom 16.9% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.06% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 48.74%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 281 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Efficiency Drag

risk

#375 of 521 • Bottom 21.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.55%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 2.91%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Credit Risk Growth

risk

#356 of 446 • Bottom 23.7% in tier

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

Why This Signature

Loan Growth (YoY): 6.38%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#664 of 736 • Bottom 26.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | 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 112 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Avg: -

#8 of 112 Top 6.2% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.62%

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $34,446

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,288

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Top Weaknesses (7 metrics)

102

Total Deposits

balance_sheet

Value: $650.94M

Peer Avg: -

#102 of 112 Bottom 9.8% in 750M-1B tier

Total Members

engagement

Value: 33,978

Peer Avg: -

#97 of 112 Bottom 14.3% in 750M-1B tier

Total Assets

balance_sheet

Value: $774.07M

Peer Avg: -

#97 of 112 Bottom 14.3% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 37.44%

Peer Avg: -

#96 of 112 Bottom 15.2% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.78%

Peer Avg: -

#91 of 112 Bottom 19.6% in 750M-1B tier

Total Loans

balance_sheet

Value: $519.45M

Peer Avg: -

#86 of 112 Bottom 24.1% in 750M-1B tier

Efficiency Ratio

profitability

Value: 81.55%

Peer Avg: -

#85 of 112 Bottom 25.0% in 750M-1B tier