BlastPoint's Credit Union Scorecard
FD COMMUNITY
Charter #42 · CT
FD COMMUNITY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.12% above tier average
- + AMR Growth Rate: Top 1.4% in tier
- + Loan Growth Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 2.29% above tier (higher cost structure)
- - Member decline: -9.4% YoY
- - Member Growth Rate: Bottom 3.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in Connecticut.
- Shares and deposits +4.1% year over year ($143M in shares and deposits).
- Membership: 12,718 members, -9.4% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 0.71%.
- Efficiency ratio 79.02% vs a 76.73% peer average.
- Loan-to-share ratio 71.56% vs a 71.54% 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 (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,718
-9.4% YoY-5.8% QoQ
|
-2.5K |
15,168
-2.6% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$162.7M
+4.0% YoY+1.8% QoQ
|
$-69.3M |
$232.0M
+0.7% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$102.6M
+22.5% YoY+6.3% QoQ
|
$-43.7M |
$146.3M
+0.2% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$143.4M
+4.1% YoY+1.7% QoQ
|
$-57.4M |
$200.7M
+0.2% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
0.7%
-16.0% YoY+18.0% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.8%
+3.5% YoY-0.1% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
79.0%
+3.4% YoY-2.8% QoQ
|
+2.3% |
76.7%
-0.8% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
0.9%
-3.1% YoY-23.0% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
71.6%
+17.7% YoY+4.5% QoQ
|
+0.0% |
71.5%
-0.3% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$19,338
+22.6% YoY+10.0% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
22.4%
+22.2% YoY+4.1% QoQ
|
-2.2% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)