BlastPoint's Credit Union Scorecard
FAMILY ADVANTAGE
Charter #24603 · TN
FAMILY ADVANTAGE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.9% in tier
- + Total Assets: Top 2.1% in tier
- + Total Members: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.48% below tier average
- - Member decline: -4.9% YoY
- - Loan Growth Rate: Bottom 3.3% in tier
- - Net Charge-Off Rate: Bottom 5.2% in tier
- - AMR Growth Rate: Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -5.2% year over year ($85.2M in shares and deposits).
- Membership: 7,048 members, -4.9% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 0.01%.
- Efficiency ratio 86.59% vs a 88.77% peer average.
- Loan-to-share ratio 40.69% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,048
-4.9% YoY-0.9% QoQ
|
+4.5K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 5.0% in tier |
| Assets |
$93.4M
-5.9% YoY+2.4% QoQ
|
+$63.2M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 2.2% in tier |
| Loans |
$34.7M
-27.6% YoY-8.5% QoQ
|
+$19.2M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 13.5% in tier |
| Deposits |
$85.2M
-5.2% YoY+2.2% QoQ
|
+$59.4M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 0.9% in tier |
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| ROA |
0.0%
-100.9% YoY-101.8% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.7% in tier |
| NIM |
3.9%
+5.8% YoY+1.1% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
86.6%
-7.7% YoY-1.7% QoQ
|
-2.2% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.9%
-46.4% YoY+1.7% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
40.7%
-23.6% YoY-10.4% QoQ
|
-18.2% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$17,001
-8.5% YoY-0.2% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
15.4%
-25.9% YoY+7.1% QoQ
|
-9.2% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
4.8%
-14.3% YoY-1.2% QoQ
|
-8.9% | 13.6% | 6.8% | 7.7% | 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)