BlastPoint's Credit Union Scorecard

FAMILY SECURITY

Charter #60605 · AL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in AL

View Mid-Market leaderboard →

FAMILY SECURITY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.05% above tier average
+ Net Worth Ratio: Top 1.6% in tier
+ Efficiency Ratio: Top 3.6% in tier
+ First Mortgage Concentration (%): Top 4.2% in tier
+ Share Certificate Concentration (%): Top 6.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.6% in tier
- Margin Compression: Bottom 2.6% in tier
- Indirect Auto Dependency: Bottom 33.4% in tier
- Credit Quality Pressure: Bottom 46.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 0.3% in tier
- Total Loans: Bottom 1.0% in tier
- Average Member Relationship (AMR): Bottom 1.0% in tier
- Loan-to-Share Ratio: Bottom 2.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	88,783 +0.2% YoY+0.2% QoQ	-7.3K	96,048 -2.7% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	53%
Assets	$1.1B +7.1% YoY+2.8% QoQ	$-638.7M	$1.7B +0.4% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	Bottom 7.2% in tier
Loans	$418.8M -3.4% YoY-1.0% QoQ	$-794.9M	$1.2B +0.2% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	Bottom 0.7% in tier
Deposits	$873.2M +5.2% YoY+3.2% QoQ	$-592.4M	$1.5B +0.5% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	Bottom 4.6% in tier

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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	1.8% -6.4% YoY-13.9% QoQ	+1.1%	0.7% +27.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	Top 2.9% in tier
NIM	3.3% -2.3% YoY-2.4% QoQ	-0.1%	3.4% +6.2% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	57.8% +2.9% YoY+5.2% QoQ	-16.8%	74.6% -3.0% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	Top 3.6% in tier
Delinquency Rate	0.6% +8.0% YoY-10.2% QoQ	-0.1	0.8% +6.9% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	50%
Loan To Share	48.0% -8.3% YoY-4.0% QoQ	-35.2%	83.2% -0.4% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	Bottom 1.6% in tier
AMR	$14,552 +2.1% YoY+1.6% QoQ	$-15K	$29,652 +2.3% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	Bottom 0.7% in tier
CD Concentration	14.2% +7.8% YoY-1.4% QoQ	-14.7%	28.8%	21.3%	19.8%	Bottom 5.5% in tier
Indirect Auto %	30.8% -8.6% YoY-2.6% QoQ	+12.8%	18.1%	5.1%	7.7%	79%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Liquidity Overhang

risk

#1 of 15 • Bottom 1.6% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.50%

(Tier: 11.28%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 47.96%

(Tier: 84.20%, National: 65.58%)

worse than tier avg

15 of 384 Mid-Market CUs have this signature | 143 nationally

→ Stable (16→15 CUs) -1 CUs YoY

Indirect Auto Dependency

risk

#44 of 198 • Bottom 33.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.08%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 30.84%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.19%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Margin Compression

decline

#12 of 24 • Bottom 2.6% 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: 1.77%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.89%

(Tier: 0.58%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

24 of 384 Mid-Market CUs have this signature | 162 nationally

→ No prior data (24 CUs now) | New qualifier

Credit Quality Pressure

risk

#175 of 225 • Bottom 46.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (5 metrics)

Net Worth Ratio

risk

Value: 19.50%

Peer Median: 10.85%

#6 of 306 Top 1.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.77%

Peer Median: 0.66%

#9 of 306 Top 2.6% in 1B-3B tier

Efficiency Ratio

profitability

Value: 57.85%

Peer Median: 75.16%

#12 of 306 Top 3.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 12.17%

Peer Median: 33.05%

#14 of 306 Top 4.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.18%

Peer Median: 27.93%

#20 of 306 Top 6.2% in 1B-3B tier

Top Weaknesses (8 metrics)

306

Loan-to-Member Ratio (LMR)

engagement

Value: $4,717

Peer Median: $12,733

#306 of 306 Bottom 0.3% in 1B-3B tier

304

Total Loans

balance_sheet

Value: $418.77M

Peer Median: $1.11B

#304 of 306 Bottom 1.0% in 1B-3B tier

304

Average Member Relationship (AMR)

engagement

Value: $14,552

Peer Median: $28,178

#304 of 306 Bottom 1.0% in 1B-3B tier

301

Loan-to-Share Ratio

balance_sheet

Value: 47.96%

Peer Median: 85.31%

#301 of 306 Bottom 2.0% in 1B-3B tier

292

Total Deposits

balance_sheet

Value: $873.16M

Peer Median: $1.31B

#292 of 306 Bottom 4.9% in 1B-3B tier

284

Total Assets

balance_sheet

Value: $1.08B

Peer Median: $1.51B

#284 of 306 Bottom 7.5% in 1B-3B tier

283

Loan Growth Rate

growth

Value: -3.45%

Peer Median: 5.67%

#283 of 306 Bottom 7.8% in 1B-3B tier

244

Indirect Auto Concentration (%)

balance_sheet

Value: 30.84%

Peer Median: 13.86%

#244 of 306 Bottom 20.6% in 1B-3B tier