BlastPoint's Credit Union Scorecard
FONTANA
Charter #12898 · CA
FONTANA has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 9.92% 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 |
1,416
-1.7% YoY-0.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$16.5M
-0.2% YoY-2.3% QoQ
|
$-13.7M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$7.0M
-13.0% YoY-3.9% QoQ
|
$-8.8M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$15.1M
+0.4% YoY-2.0% QoQ
|
$-10.6M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.1%
+174.9% YoY+9.9% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
2.9%
+11.0% YoY+4.2% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
92.5%
-5.8% YoY+0.7% QoQ
|
+9.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.5%
+17.2% YoY+30.8% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
46.4%
-13.3% YoY-2.0% QoQ
|
-14.3% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$15,591
-2.6% YoY-2.4% QoQ
|
+$808 |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
26.3%
-6.4% YoY-0.9% QoQ
|
+1.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)