BlastPoint's Credit Union Scorecard
FAMILY SECURITY
Charter #60605 · AL
FAMILY SECURITY has 6 strengths but faces 10 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 1.37% above tier average
- + Net Interest Margin 0.06% above tier average
- + Net Worth Ratio: Top 1.7% in tier
- + Efficiency Ratio: Top 2.3% in tier
- + First Mortgage Concentration (%): Top 3.3% in tier
- + Share Certificate Concentration (%): Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.0% in tier
- - Indirect Auto Dependency: Bottom 18.0% in tier
- - Credit Quality Pressure: Bottom 95.7% 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
- - Total Deposits: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Total Assets: Bottom 4.6% in tier
- - Loan Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,624
+0.1% YoY-0.1% QoQ
|
-8.8K |
97,431
-2.4% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$1.1B
+7.9% YoY+1.3% QoQ
|
$-671.7M |
$1.7B
+0.9% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.3% in tier |
| Loans |
$422.9M
-3.6% YoY-0.9% QoQ
|
$-811.5M |
$1.2B
+0.5% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.3% in tier |
| Deposits |
$846.5M
+5.4% YoY+0.7% QoQ
|
$-612.8M |
$1.5B
+0.9% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.1%
-2.7% YoY+1.9% QoQ
|
+1.4% |
0.7%
+20.9% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 0.3% in tier |
| NIM |
3.3%
-1.7% YoY-0.5% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
55.0%
+0.5% YoY-0.8% QoQ
|
-19.1% |
74.1%
-9.5% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate |
0.7%
+2.3% YoY+5.3% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
50.0%
-8.6% YoY-1.6% QoQ
|
-34.8% |
84.8%
-0.8% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.3% in tier |
| AMR |
$14,324
+2.2% YoY+0.3% QoQ
|
$-15K |
$29,428
+2.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.7% in tier |
| CD Concentration |
14.4%
+10.8% YoY+2.5% QoQ
|
-14.7% | 29.0% | 21.2% | 19.8% | Bottom 5.6% in tier |
| Indirect Auto % |
31.7%
-7.1% YoY-3.2% QoQ
|
+13.4% | 18.3% | 5.2% | 7.8% | 79% |
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)