BlastPoint's Credit Union Scorecard
FD COMMUNITY
Charter #42 · CT
FD COMMUNITY has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 7.4% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.7% in tier
- + Members Per Employee (MPE): Top 7.6% in tier
- + Loan Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 17.9% in tier
- - Stagnation Risk: Bottom 42.0% in tier
- - Credit Risk Growth: Bottom 49.2% in tier
- - Margin Compression: Bottom 80.3% in tier
- - Credit Quality Pressure: Bottom 89.8% in tier
- - Efficiency ratio 0.20% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Member decline: -6.0% YoY
- - Member Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,486
-6.0% YoY-2.8% QoQ
|
-2.0K |
15,437
-2.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$156.1M
+5.7% YoY+1.7% QoQ
|
$-75.8M |
$231.9M
+1.3% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$91.9M
+14.4% YoY+7.2% QoQ
|
$-55.4M |
$147.3M
-0.1% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$137.3M
+5.5% YoY+1.6% QoQ
|
$-63.5M |
$200.8M
+0.8% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.8%
-23.5% YoY+5.3% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.8%
+8.3% YoY-0.1% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
77.2%
+4.2% YoY+0.2% QoQ
|
+0.2% |
77.0%
-3.1% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.4%
+2.5% YoY+21.6% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
66.9%
+8.4% YoY+5.5% QoQ
|
-5.3% |
72.2%
-1.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$16,999
+15.8% YoY+6.8% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
20.6%
+15.4% YoY+5.4% QoQ
|
-3.9% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 4.6% | 7.8% | 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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)