BlastPoint's Credit Union Scorecard
FAMILY FIRST
Charter #61831 · GA
FAMILY FIRST has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 17.1% in tier
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.1% in tier
- - Credit Quality Pressure: Bottom 6.8% in tier
- - Efficiency Drag: Bottom 13.8% in tier
- - Stagnation Risk: Bottom 19.9% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 10.88% above tier (higher cost structure)
- - Delinquency rate 1.35% above tier average
- - Member decline: -9.8% YoY
- - Member Growth Rate: Bottom 3.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,646
-9.8% YoY-1.1% QoQ
|
-5.0K |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$133.6M
+1.9% YoY-1.5% QoQ
|
$-97.7M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$84.9M
-0.3% YoY+0.1% QoQ
|
$-62.9M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$115.3M
+1.8% YoY-1.6% QoQ
|
$-85.0M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
0.2%
+52.3% YoY+58.1% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.2% in tier |
| NIM |
3.7%
+2.9% YoY+1.8% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
88.2%
-2.5% YoY-2.2% QoQ
|
+10.9% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 13.9% in tier |
| Delinquency Rate |
2.2%
+24.8% YoY+20.0% QoQ
|
+1.3 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 4.8% in tier |
| Loan To Share |
73.6%
-2.0% YoY+1.8% QoQ
|
+0.9% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$18,804
+11.9% YoY+0.2% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
18.7%
+7.3% YoY+0.8% QoQ
|
-5.7% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)