BlastPoint's Credit Union Scorecard
FAMILY ADVANTAGE
Charter #24603 · TN
FAMILY ADVANTAGE has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.05% above tier average
- + Total Deposits: Top 2.0% in tier
- + Total Assets: Top 3.6% in tier
- + Total Members: Top 5.1% in tier
- + Total Loans: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.12% below tier average
- - Efficiency ratio 7.08% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Member decline: -3.6% YoY
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 4.1% in tier
- - AMR Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,224
-3.6% YoY-1.4% QoQ
|
+4.6K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 5.1% in tier |
| Assets |
$91.1M
-6.0% YoY-5.3% QoQ
|
+$60.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 3.6% in tier |
| Loans |
$41.3M
-23.2% YoY-7.1% QoQ
|
+$25.5M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 9.4% in tier |
| Deposits |
$82.3M
-5.9% YoY-6.1% QoQ
|
+$56.6M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 2.0% in tier |
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| ROA |
-1.5%
-1268.9% YoY-28.4% QoQ
|
-2.1% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.2% in tier |
| NIM |
4.0%
+4.7% YoY+6.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
89.6%
+12.4% YoY-1.8% QoQ
|
+7.1% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
1.6%
-54.2% YoY-0.2% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
50.2%
-18.4% YoY-1.1% QoQ
|
-10.4% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$17,114
-9.2% YoY-5.1% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
16.5%
-11.7% YoY-6.2% QoQ
|
-7.9% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
4.9%
-21.3% YoY-7.3% QoQ
|
-8.9% | 13.8% | 6.7% | 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)