BlastPoint's Credit Union Scorecard
FAMILY SECURITY
Charter #60605 · AL
FAMILY SECURITY has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Net Worth Ratio: Top 1.3% in tier
- + Efficiency Ratio: Top 3.7% in tier
- + First Mortgage Concentration (%): Top 4.0% in tier
- + Share Certificate Concentration (%): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.3% in tier
- - Indirect Auto Dependency: Bottom 39.0% in tier
- - Credit Quality Pressure: Bottom 43.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.3% in tier
- - Total Loans: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 1.7% in tier
- - Total Deposits: Bottom 5.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Alabama.
- Shares and deposits +5.0% year over year ($876M in shares and deposits).
- Membership: 88,825 members, +0.0% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 1.98%.
- Efficiency ratio 55.66% vs a 73.02% peer average.
- Loan-to-share ratio 47.66% vs a 84.71% 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,825
+0.0% YoY+0.0% QoQ
|
-8.0K |
96,861
-1.9% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$1.1B
+6.4% YoY+0.6% QoQ
|
$-636.1M |
$1.7B
+0.4% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.7% in tier |
| Loans |
$417.7M
-3.3% YoY-0.3% QoQ
|
$-816.6M |
$1.2B
+0.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.3% in tier |
| Deposits |
$876.5M
+5.0% YoY+0.4% QoQ
|
$-586.9M |
$1.5B
+0.5% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.0% in tier |
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| ROA |
2.0%
-1.7% YoY+12.2% QoQ
|
+1.2% |
0.8%
+27.6% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 1.3% in tier |
| NIM |
3.3%
+0.1% YoY+2.7% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
55.7%
+0.9% YoY-3.8% QoQ
|
-17.4% |
73.0%
-2.7% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Top 3.7% in tier |
| Delinquency Rate |
0.6%
+11.0% YoY-3.2% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
47.7%
-8.0% YoY-0.6% QoQ
|
-37.1% |
84.7%
+0.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.3% in tier |
| AMR |
$14,570
+2.2% YoY+0.1% QoQ
|
$-15K |
$29,575
+1.5% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.7% in tier |
| CD Concentration |
14.0%
+2.9% YoY-1.4% QoQ
|
-15.1% | 29.1% | 21.8% | 20.0% | Bottom 4.5% in tier |
| Indirect Auto % |
29.7%
-11.1% YoY-3.8% QoQ
|
+11.6% | 18.1% | 5.2% | 7.7% | 77% |
Signature Analysis
Strengths (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)