BlastPoint's Credit Union Scorecard
FAMILY FOCUS
Charter #24771 · NE
FAMILY FOCUS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 1.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.25% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,006
-0.5% YoY-3.5% QoQ
|
+390 |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$42.9M
-1.8% YoY-1.6% QoQ
|
+$12.7M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$30.2M
-6.5% YoY-3.2% QoQ
|
+$14.5M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$37.0M
-3.2% YoY-2.1% QoQ
|
+$11.3M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.8%
+738.6% YoY-12.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
5.1%
+17.1% YoY+2.8% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
84.8%
-4.1% YoY+0.9% QoQ
|
+2.2% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.7%
-45.2% YoY-42.2% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
81.7%
-3.4% YoY-1.1% QoQ
|
+21.1% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$22,366
-4.2% YoY+1.0% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Top 13.5% in tier |
| CD Concentration |
35.1%
+0.6% YoY+2.7% QoQ
|
+10.7% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 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)