BlastPoint's Credit Union Scorecard

F & A

Charter #1493 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

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F & A has 11 strengths but faces 11 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 7.6% in tier
+ Wallet Share Momentum: Top 11.3% in tier
+ Credit Quality Leader: Top 35.1% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 0.3% in tier
+ Loan-to-Member Ratio (LMR): Top 0.7% in tier
+ Total Assets: Top 1.0% in tier
+ AMR Growth Rate: Top 3.3% in tier
+ Efficiency Ratio: Top 5.3% in tier
+ Net Charge-Off Rate: Top 5.6% in tier
+ Total Delinquency Rate (60+ days): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 1.7% in tier
- Credit Risk Growth: Bottom 4.0% in tier
- Credit Quality Pressure: Bottom 9.7% in tier
- Membership Headwinds: Bottom 10.5% in tier
- Cost Spiral: Bottom 17.9% in tier
- ROA 0.10% below tier average
- Member decline: -4.2% YoY
- Net Interest Margin (NIM): Bottom 1.6% in tier
- Total Members: Bottom 2.6% in tier
- Loan-to-Share Ratio: Bottom 6.2% in tier
- Member Growth Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	44,421 -4.2% YoY+0.6% QoQ	-54.3K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 2.3% in tier
Assets	$2.9B +8.7% YoY+2.0% QoQ	+$1.2B	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	Top 1.3% in tier
Loans	$1.2B +10.4% YoY+0.4% QoQ	$-60.8M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	57%
Deposits	$2.0B +8.7% YoY+1.9% QoQ	+$527.7M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	81%

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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% -14.3% YoY-5.2% QoQ	-0.1%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	44%
NIM	1.4% +16.2% YoY+0.9% QoQ	-1.9%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 1.3% in tier
Efficiency Ratio	59.3% +9.9% YoY+2.2% QoQ	-14.7%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Bottom 5.3% in tier
Delinquency Rate	0.3% +237.8% YoY+22.3% QoQ	-0.6	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 7.9% in tier
Loan To Share	59.1% +1.5% YoY-1.5% QoQ	-26.0%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Bottom 5.9% in tier
AMR	$71,009 +14.1% YoY+0.7% QoQ	+$42K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 0.7% in tier
CD Concentration	34.7% +11.2% YoY+3.3% QoQ	+5.8%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	75%
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#6 of 67 • Top 7.6% 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): 14.12%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $7.1K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#14 of 116 • Top 11.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 14.12%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank worsening

Credit Quality Leader

growth

#34 of 95 • Top 35.1% in tier

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

Why This Signature

Delinquency Rate: 0.26%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.18% points

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

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk

#5 of 85 • Bottom 1.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.19%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 10.37%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.26%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY

Credit Risk Growth

risk

#23 of 161 • Bottom 4.0% in tier

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

Why This Signature

Loan Growth (YoY): 10.37%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.18% points

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

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#75 of 217 • Bottom 9.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.18% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Membership Headwinds

decline

#26 of 85 • Bottom 10.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.19%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank improving

Cost Spiral

risk

#11 of 14 • Bottom 17.9% 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: 5.34% points

(Tier: -7.46% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 23.13%

(Tier: 51.53%, National: 63.68%)

but better than tier avg

14 of 380 Mid-Market CUs have this signature | 80 nationally

→ Stable (16→14 CUs) -2 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 304 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $71,009

Peer Avg: -

#2 of 304 Top 0.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $26,391

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.93B

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 14.12%

Peer Avg: -

#11 of 304 Top 3.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 59.29%

Peer Avg: -

#17 of 304 Top 5.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.10%

Peer Avg: -

#18 of 304 Top 5.6% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Avg: -

#25 of 304 Top 7.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.37%

Peer Avg: -

#56 of 304 Top 18.1% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.98B

Peer Avg: -

#58 of 304 Top 18.8% in 1B-3B tier

Top Weaknesses (7 metrics)

300

Net Interest Margin (NIM)

profitability

Value: 1.38%

Peer Avg: -

#300 of 304 Bottom 1.6% in 1B-3B tier

297

Total Members

engagement

Value: 44,421

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

286

Loan-to-Share Ratio

balance_sheet

Value: 59.15%

Peer Avg: -

#286 of 304 Bottom 6.2% in 1B-3B tier

279

Member Growth Rate

growth

Value: -4.19%

Peer Avg: -

#279 of 304 Bottom 8.6% in 1B-3B tier

274

First Mortgage Concentration (%)

balance_sheet

Value: 53.80%

Peer Avg: -

#274 of 304 Bottom 10.2% in 1B-3B tier

251

Fee Income Per Member

profitability

Value: $145.68

Peer Avg: -

#251 of 304 Bottom 17.8% in 1B-3B tier

233

Share Certificate Concentration (%)

balance_sheet

Value: 34.72%

Peer Avg: -

#233 of 304 Bottom 23.7% in 1B-3B tier