BlastPoint's Credit Union Scorecard

FD COMMUNITY

Charter #42 · CT

1077 CUs in 100M-500M nationally 16 in CT

FD COMMUNITY has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 35.6% in tier
+ Net Interest Margin 0.19% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 6.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 14.0% in tier
- Stagnation Risk: Bottom 18.2% in tier
- Margin Compression: Bottom 26.0% in tier
- ROA 0.03% below tier average
- Delinquency rate 0.28% above tier average
- Member decline: -3.0% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	13,873 -3.0% YoY-1.2% QoQ	-1.8K	15,628 -3.4% YoY	13,754 +3.9% YoY	33,089 +6.1% YoY	52%
Assets	$153.4M +5.4% YoY-1.9% QoQ	$-77.9M	$231.3M -0.0% YoY	$223.0M +8.2% YoY	$547.7M +7.8% YoY	32%
Loans	$85.8M +5.3% YoY+2.4% QoQ	$-62.0M	$147.8M -1.4% YoY	$129.0M +9.8% YoY	$388.7M +8.6% YoY	26%
Deposits	$135.1M +5.6% YoY-1.9% QoQ	$-65.2M	$200.3M -0.0% YoY	$195.5M +7.9% YoY	$464.6M +9.3% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -27.9% YoY-10.4% QoQ	-0.0%	0.8% +15.5% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	49%
NIM	3.8% +8.3% YoY+2.7% QoQ	+0.2%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	61%
Efficiency Ratio	77.0% +3.2% YoY+0.7% QoQ	-0.2%	77.3% -3.0% YoY	85.8% +0.7% YoY	79.1% -3.3% YoY	50%
Delinquency Rate	1.1% -39.5% YoY+23.6% QoQ	+0.3	0.9% +7.6% YoY	1.2% +0.2% YoY	1.2% -0.9% YoY	76%
Loan To Share	63.5% -0.3% YoY+4.4% QoQ	-9.2%	72.7% -1.5% YoY	56.5% +1.7% YoY	68.0% -1.7% YoY	28%
AMR	$15,921 +8.7% YoY+1.0% QoQ	$-8K	$24,363 +2.9% YoY	$16,763 +4.9% YoY	$19,418 +1.3% YoY	Bottom 13.6% in tier
CD Concentration	19.5% +14.7% YoY+6.6% QoQ	-4.9%	24.4% +4.2% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0% -100.0% YoY	-14.0%	14.0% -5.7% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#172 of 481 • Top 35.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank improving

Concerns (3)

Membership Headwinds

decline

#231 of 550 • Bottom 14.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.95%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#300 of 550 • Bottom 18.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.95%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 5.26%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.13%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Margin Compression

decline

#110 of 136 • Bottom 26.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.76%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

ROA (Prior Year): 1.05%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.29% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 495.464

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

134

AMR Growth Rate

growth

Value: 8.66%

Peer Avg: -

#134 of 1077 Top 12.3% in 100M-500M tier

Top Weaknesses (5 metrics)

931

Average Member Relationship (AMR)

engagement

Value: $15,921

Peer Avg: -

#931 of 1077 Bottom 13.6% in 100M-500M tier

916

Loan-to-Member Ratio (LMR)

engagement

Value: $6,182

Peer Avg: -

#916 of 1077 Bottom 15.0% in 100M-500M tier

912

Fee Income Per Member

profitability

Value: $101.11

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

879

Member Growth Rate

growth

Value: -2.95%

Peer Avg: -

#879 of 1077 Bottom 18.5% in 100M-500M tier

815

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Avg: -

#815 of 1077 Bottom 24.4% in 100M-500M tier