BlastPoint's Credit Union Scorecard
FAMILY ADVANTAGE
Charter #24603 · TN
FAMILY ADVANTAGE has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.3% in tier
- + Total Assets: Top 1.3% in tier
- + Total Members: Top 5.1% in tier
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 2.77% below tier average
- - Efficiency ratio 9.89% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Member decline: -2.1% YoY
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 6.1% in tier
- - Net Worth Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,324
-2.1% YoY-1.1% QoQ
|
+4.7K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 5.1% in tier |
| Assets |
$96.2M
-0.1% YoY-3.2% QoQ
|
+$66.3M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Top 1.3% in tier |
| Loans |
$44.5M
-20.2% YoY-7.0% QoQ
|
+$28.7M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 7.9% in tier |
| Deposits |
$87.7M
+1.3% YoY-2.4% QoQ
|
+$62.2M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 0.4% in tier |
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| ROA |
-2.1%
-446.3% YoY+79.4% QoQ
|
-2.8% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.9% in tier |
| NIM |
3.8%
-3.5% YoY+2.4% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
91.3%
+18.9% YoY-2.7% QoQ
|
+9.9% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.6%
-54.3% YoY-1.0% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
50.7%
-21.2% YoY-4.7% QoQ
|
-10.5% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$18,041
-5.1% YoY-2.9% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
17.6%
+31.6% YoY-15.2% QoQ
|
-6.8% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.3%
-19.4% YoY-4.1% QoQ
|
-8.7% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)