BlastPoint's Credit Union Scorecard

FOX

Charter #16954 · CA

<100M

2508 CUs in <100M nationally 92 in CA

FOX faces 6 concerns requiring attention

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.87% below tier average
- Efficiency ratio 29.62% above tier (higher cost structure)
- Member decline: -5.7% YoY
- First Mortgage Concentration (%): Bottom 0.8% in tier
- Asset Growth Rate: Bottom 4.9% in tier
- Deposit Growth Rate: Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	2,976 -5.7% YoY-1.6% QoQ	+299	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	67%
Assets	$38.1M -9.7% YoY-0.9% QoQ	+$8.0M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	67%
Loans	$25.7M -7.6% YoY-0.7% QoQ	+$10.4M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	78%
Deposits	$34.5M -10.0% YoY-0.9% QoQ	+$8.7M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	69%

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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	-0.7% +25.4% YoY+54.0% QoQ	-0.9%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 10.5% in tier
NIM	3.1% +11.2% YoY-1.0% QoQ	-0.9%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	120.2% +3.7% YoY+11.2% QoQ	+29.6%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 5.9% in tier
Delinquency Rate	0.3% -38.2% YoY-46.9% QoQ	-1.2	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	37%
Loan To Share	74.4% +2.6% YoY+0.2% QoQ	+15.9%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	74%
AMR	$20,215 -3.6% YoY+0.8% QoQ	+$5K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	79%
CD Concentration	14.7% +16.6% YoY-6.4% QoQ	-9.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

347

Loan-to-Member Ratio (LMR)

engagement

Value: $8,622

Peer Median: $4,923

#347 of 2508 Top 13.8% in <100M tier

528

Average Member Relationship (AMR)

engagement

Value: $20,215

Peer Median: $13,926

#528 of 2508 Top 21.0% in <100M tier

542

Total Loans

balance_sheet

Value: $25.66M

Peer Median: $9.48M

#542 of 2508 Top 21.6% in <100M tier

Top Weaknesses (9 metrics)

2488

First Mortgage Concentration (%)

balance_sheet

Value: 85.04%

Peer Median: 3.66%

#2488 of 2508 Bottom 0.8% in <100M tier

2386

Asset Growth Rate

growth

Value: -9.68%

Peer Median: 1.30%

#2386 of 2508 Bottom 4.9% in <100M tier

2360

Efficiency Ratio

profitability

Value: 120.25%

Peer Median: 81.45%

#2360 of 2508 Bottom 5.9% in <100M tier

2337

Deposit Growth Rate

growth

Value: -10.02%

Peer Median: 0.66%

#2337 of 2508 Bottom 6.9% in <100M tier

2245

Return on Assets (ROA)

profitability

Value: -0.73%

Peer Median: 0.61%

#2245 of 2508 Bottom 10.5% in <100M tier

2243

Net Worth Ratio

risk

Value: 9.08%

Peer Median: 14.28%

#2243 of 2508 Bottom 10.6% in <100M tier

2140

Member Growth Rate

growth

Value: -5.67%

Peer Median: -1.37%

#2140 of 2508 Bottom 14.7% in <100M tier

1953

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: 3.83%

#1953 of 2508 Bottom 22.2% in <100M tier

1946

AMR Growth Rate

growth

Value: -3.55%

Peer Median: 1.27%

#1946 of 2508 Bottom 22.4% in <100M tier