BlastPoint's Credit Union Scorecard

FOOTHILL

Charter #12425 · CA

Community 750M-1B

117 CUs in 750M-1B nationally 13 in CA

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FOOTHILL has 3 strengths but faces 3 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 14.8% in tier
+ Organic Growth Engine: Top 14.8% in tier
+ Total Delinquency Rate (60+ days): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 16.3% in tier
- ROA 0.30% below tier average
- Efficiency ratio 13.55% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	34,654 +4.1% YoY+1.2% QoQ	-16.8K	51,500 +0.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	17%
Assets	$772.2M -0.4% YoY+0.8% QoQ	$-93.4M	$865.6M +0.9% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Bottom 12.8% in tier
Loans	$542.9M +7.7% YoY+1.6% QoQ	$-52.4M	$595.3M +1.6% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	31%
Deposits	$668.5M +1.8% YoY+1.1% QoQ	$-73.7M	$742.2M +0.6% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	16%

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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	0.5% -40.4% YoY-21.7% QoQ	-0.3%	0.8% +45.0% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	32%
NIM	3.0% +13.7% YoY+6.3% QoQ	-0.5%	3.5% +6.1% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	25%
Efficiency Ratio	89.1% +15.6% YoY+6.9% QoQ	+13.6%	75.5% -3.4% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 9.4% in tier
Delinquency Rate	0.2% -16.0% YoY-30.9% QoQ	-0.5	0.7% -0.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 8.5% in tier
Loan To Share	81.2% +5.7% YoY+0.5% QoQ	+0.6%	80.6% +0.7% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	44%
AMR	$34,956 +0.2% YoY+0.1% QoQ	+$6K	$28,908 +0.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	81%
CD Concentration	28.2% -20.9% YoY-8.4% QoQ	+3.9%	24.3%	21.6%	19.8%	66%
Indirect Auto %	1.2% +45.7% QoQ	-12.6%	13.8%	9.0%	7.7%	36%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#109 of 371 • Top 14.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.13%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.23%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#218 of 352 • Top 14.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.13%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.46%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 1.23%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#360 of 596 • Bottom 16.3% in tier

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

Why This Signature

Efficiency Ratio: 89.09%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.31% points

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

worse than tier avg

Member Growth (YoY): 4.13%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 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: 0.18%

Peer Median: 0.56%

#11 of 117 Top 8.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $34,956

Peer Median: $26,209

#22 of 117 Top 17.9% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,665

Peer Median: $11,598

#22 of 117 Top 17.9% in 750M-1B tier

Member Growth Rate

growth

Value: 4.13%

Peer Median: 0.97%

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

Indirect Auto Concentration (%)

balance_sheet

Value: 1.23%

Peer Median: 13.79%

#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (6 metrics)

107

Efficiency Ratio

profitability

Value: 89.09%

Peer Median: 77.38%

#107 of 117 Bottom 9.4% in 750M-1B tier

103

Asset Growth Rate

growth

Value: -0.40%

Peer Median: 4.88%

#103 of 117 Bottom 12.8% in 750M-1B tier

102

Total Assets

balance_sheet

Value: $772.24M

Peer Median: $858.87M

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

Total Deposits

balance_sheet

Value: $668.51M

Peer Median: $735.65M

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

Total Members

engagement

Value: 34,654

Peer Median: 51,712

#97 of 117 Bottom 17.9% in 750M-1B tier

AMR Growth Rate

growth

Value: 0.23%

Peer Median: 3.70%

#96 of 117 Bottom 18.8% in 750M-1B tier