BlastPoint's Credit Union Scorecard

FOOTHILL

Charter #12425 · CA

Community 750M-1B

117 CUs in 750M-1B nationally 14 in CA

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FOOTHILL has 3 strengths but faces 4 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 33.4% in tier
+ Organic Growth Engine: Top 51.9% in tier
+ Relationship Depth Leader: Top 79.8% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 2.5% in tier
- Efficiency Drag: Bottom 39.9% in tier
- ROA 0.16% below tier average
- Efficiency ratio 9.00% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	34,247 +3.6% YoY+0.8% QoQ	-17.8K	52,084 -1.6% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	15%
Assets	$766.4M +0.3% YoY-1.0% QoQ	$-97.4M	$863.9M +0.5% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Bottom 11.1% in tier
Loans	$534.2M +7.9% YoY+2.8% QoQ	$-71.6M	$605.8M +1.4% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	26%
Deposits	$661.5M +5.2% YoY+1.6% QoQ	$-75.8M	$737.3M +0.1% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Bottom 14.5% 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% -0.5% YoY-7.2% QoQ	-0.2%	0.7% +39.1% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	41%
NIM	2.8% +6.6% YoY+1.3% QoQ	-0.6%	3.4% +8.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	20%
Efficiency Ratio	83.3% +5.0% YoY+2.2% QoQ	+9.0%	74.3% -3.6% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	83%
Delinquency Rate	0.3% -20.6% YoY+17.6% QoQ	-0.6	0.9% +3.8% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Bottom 10.3% in tier
Loan To Share	80.8% +2.5% YoY+1.2% QoQ	-1.8%	82.6% +1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	35%
AMR	$34,914 +2.7% YoY+1.4% QoQ	+$6K	$28,873 +2.7% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	79%
CD Concentration	30.8% -20.5% YoY-17.8% QoQ	+6.4%	24.4%	21.7%	19.8%	73%
Indirect Auto %	0.8% +37.4% QoQ	-12.9%	13.8%	9.2%	7.8%	36%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#143 of 426 • Top 33.4% in tier

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

Why This Signature

Member Growth (YoY): 3.61%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.85%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#309 of 595 • Top 51.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.61%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.58%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.85%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#214 of 268 • Top 79.8% 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): 2.68%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.8K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (2)

Flatlined Growth

risk

#2 of 41 • Bottom 2.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.25%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.58%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 282 Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Efficiency Drag

risk

#215 of 538 • Bottom 39.9% in tier

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

Why This Signature

Efficiency Ratio: 83.35%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.00% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 3.61%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 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 117 peers in tier

Top Strengths (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: -

#13 of 117 Top 10.3% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,600

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Member Growth Rate

growth

Value: 3.61%

Peer Median: -

#25 of 117 Top 20.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $34,914

Peer Median: -

#25 of 117 Top 20.5% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.85%

Peer Median: -

#26 of 117 Top 21.4% in 750M-1B tier

Top Weaknesses (6 metrics)

104

Total Assets

balance_sheet

Value: $766.44M

Peer Median: -

#104 of 117 Bottom 12.0% in 750M-1B tier

102

Asset Growth Rate

growth

Value: 0.25%

Peer Median: -

#102 of 117 Bottom 13.7% in 750M-1B tier

100

Total Deposits

balance_sheet

Value: $661.45M

Peer Median: -

#100 of 117 Bottom 15.4% in 750M-1B tier

Total Members

engagement

Value: 34,247

Peer Median: -

#99 of 117 Bottom 16.2% in 750M-1B tier

Efficiency Ratio

profitability

Value: 83.35%

Peer Median: -

#98 of 117 Bottom 17.1% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.82%

Peer Median: -

#93 of 117 Bottom 21.4% in 750M-1B tier