BlastPoint's Credit Union Scorecard
FRESNO GRANGERS
Charter #4163 · CA
FRESNO GRANGERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.53% above tier average
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Loan-to-Member Ratio (LMR): Top 0.3% in tier
- + Efficiency Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.8% YoY
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
583
-2.8% YoY-1.0% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$27.0M
-1.0% YoY+1.0% QoQ
|
$-3.2M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$14.0M
-11.5% YoY-8.3% QoQ
|
$-1.3M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
60% |
| Deposits |
$20.7M
-1.7% YoY+0.7% QoQ
|
$-5.1M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
1.7%
-25.5% YoY+209.4% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 11.4% in tier |
| NIM |
3.1%
-8.9% YoY+70.7% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
45.9%
+35.4% YoY-34.6% QoQ
|
-44.7% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 3.3% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 13.5% in tier |
| Loan To Share |
67.7%
-9.9% YoY-9.0% QoQ
|
+9.2% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$59,605
-3.2% YoY-2.2% QoQ
|
+$45K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 0.3% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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)