BlastPoint's Credit Union Scorecard
F & A
Charter #1493 · CA
F & A has 12 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 20.3% in tier
- + Wallet Share Momentum: Top 45.1% in tier
- + Organic Growth Engine: Top 70.3% in tier
- + Organic Growth Leader: Top 82.3% 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 0.3% in tier
- + Total Assets: Top 0.7% in tier
- + Efficiency Ratio: Top 4.0% in tier
- + Net Charge-Off Rate: Top 5.3% in tier
- + Total Delinquency Rate (60+ days): Top 7.9% in tier
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37.4% in tier
- - Credit Quality Pressure: Bottom 75.7% in tier
- - ROA 0.06% below tier average
- - Net Interest Margin (NIM): Bottom 1.7% in tier
- - Total Members: Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,625
+1.6% YoY+0.5% QoQ
|
-52.8K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 2.0% in tier |
| Assets |
$3.0B
+10.4% YoY+1.6% QoQ
|
+$1.3B |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 1.0% in tier |
| Loans |
$1.2B
+13.4% YoY+4.1% QoQ
|
$-14.3M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$2.0B
+8.2% YoY+1.2% QoQ
|
+$547.3M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
0.6%
-4.9% YoY+3.3% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
1.4%
+16.0% YoY+1.3% QoQ
|
-1.9% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
57.8%
+3.7% YoY-2.4% QoQ
|
-16.2% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate |
0.3%
+32.1% YoY-0.8% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.9% in tier |
| Loan To Share |
60.8%
+4.9% YoY+2.8% QoQ
|
-24.0% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.6% in tier |
| AMR |
$72,310
+8.3% YoY+1.8% QoQ
|
+$43K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 0.7% in tier |
| CD Concentration |
35.5%
+8.4% YoY+2.2% QoQ
|
+6.4% | 29.0% | 21.7% | 19.8% | 78% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 9.2% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)