BlastPoint's Credit Union Scorecard
FAMILY ADVANTAGE
Charter #24603 · TN
FAMILY ADVANTAGE has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.3% in tier
- + Total Assets: Top 3.3% in tier
- + Total Members: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Member decline: -4.5% YoY
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Loan Growth Rate: Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 5.8% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,114
-4.5% YoY-1.5% QoQ
|
+4.4K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Top 4.9% in tier |
| Assets |
$91.3M
-9.0% YoY+0.2% QoQ
|
+$61.1M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 3.3% in tier |
| Loans |
$37.9M
-25.6% YoY-8.3% QoQ
|
+$22.6M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 11.3% in tier |
| Deposits |
$83.3M
-8.1% YoY+1.2% QoQ
|
+$57.6M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Top 1.4% in tier |
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| ROA |
-0.6%
-62.2% YoY-59.4% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.1% in tier |
| NIM |
3.9%
+5.2% YoY-3.9% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
88.0%
-6.1% YoY-1.8% QoQ
|
-2.6% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
0.9%
-54.2% YoY-46.6% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
45.4%
-19.1% YoY-9.5% QoQ
|
-13.1% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$17,038
-10.4% YoY-0.4% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
14.3%
-35.2% YoY-13.0% QoQ
|
-9.9% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
4.8%
-17.8% YoY-2.4% QoQ
|
-9.0% | 13.8% | 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)