BlastPoint's Credit Union Scorecard
FD COMMUNITY
Charter #42 · CT
FD COMMUNITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.18% above tier average
- + AMR Growth Rate: Top 2.3% in tier
- + Loan Growth Rate: Top 3.1% in tier
- + Members Per Employee (MPE): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 3.27% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,506
-6.9% YoY+0.1% QoQ
|
-1.6K |
15,145
-2.5% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$159.9M
+2.9% YoY+2.4% QoQ
|
$-71.9M |
$231.7M
+0.8% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$96.5M
+20.7% YoY+5.0% QoQ
|
$-47.7M |
$144.1M
+0.2% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$140.9M
+2.8% YoY+2.6% QoQ
|
$-60.2M |
$201.1M
+0.4% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
0.6%
-1.1% YoY-24.5% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
3.8%
+6.2% YoY+1.1% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
63% |
| Efficiency Ratio |
81.3%
+1.1% YoY+5.3% QoQ
|
+3.3% |
78.0%
-1.7% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
1.2%
+0.2% YoY-16.3% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
68.5%
+17.4% YoY+2.3% QoQ
|
-1.9% |
70.4%
-0.4% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$17,578
+17.6% YoY+3.4% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
21.5%
+22.2% YoY+4.6% QoQ
|
-2.8% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 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 (5)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)