BlastPoint's Credit Union Scorecard
FOUNTAIN VALLEY
Charter #64108 · CA
2556 CUs in <100M nationally
91 in CA
FOUNTAIN VALLEY has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Efficiency ratio 24.07% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Loan Growth Rate: Bottom 1.7% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 3.5% in tier
- - Total Members: Bottom 3.8% in tier
- - Total Loans: Bottom 8.8% in tier
- - Total Assets: Bottom 9.4% in tier
- - Total Deposits: Bottom 9.4% in tier
- - Fee Income Per Member: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
172
-4.4% YoY-2.3% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 3.8% in tier |
| Assets |
$2.0M
-11.4% YoY-1.0% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.3% in tier |
| Loans |
$644,200
-34.1% YoY-7.8% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.7% in tier |
| Deposits |
$1.5M
-14.1% YoY-1.2% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.3%
-156.5% YoY+67.9% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.0% in tier |
| NIM |
4.5%
-5.2% YoY+1.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
106.6%
+40.7% YoY+2.5% QoQ
|
+24.1% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 7.4% in tier |
| Delinquency Rate |
0.1%
-94.6% YoY-94.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
43.1%
-23.2% YoY-6.7% QoQ
|
-17.5% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$12,438
-17.6% YoY-1.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
45
Net Charge-Off Rate
risk
Value:
-0.29%
Peer Median: -
#45 of 2556
Top 1.7% in <100M tier
351
Net Worth Ratio
risk
Value:
23.35%
Peer Median: -
#351 of 2556
Top 13.7% in <100M tier
513
Total Delinquency Rate (60+ days)
risk
Value:
0.11%
Peer Median: -
#513 of 2556
Top 20.0% in <100M tier
Top Weaknesses (14 metrics)
2514
Loan Growth Rate
growth
Value:
-34.06%
Peer Median: -
#2514 of 2556
Bottom 1.7% in <100M tier
2496
AMR Growth Rate
growth
Value:
-17.63%
Peer Median: -
#2496 of 2556
Bottom 2.4% in <100M tier
2480
Deposit Growth Rate
growth
Value:
-14.13%
Peer Median: -
#2480 of 2556
Bottom 3.0% in <100M tier
2468
Asset Growth Rate
growth
Value:
-11.39%
Peer Median: -
#2468 of 2556
Bottom 3.5% in <100M tier
2460
Total Members
engagement
Value:
172
Peer Median: -
#2460 of 2556
Bottom 3.8% in <100M tier
2367
Efficiency Ratio
profitability
Value:
106.63%
Peer Median: -
#2367 of 2556
Bottom 7.4% in <100M tier
2333
Total Loans
balance_sheet
Value:
$644,200
Peer Median: -
#2333 of 2556
Bottom 8.8% in <100M tier
2318
Total Assets
balance_sheet
Value:
$1.96M
Peer Median: -
#2318 of 2556
Bottom 9.4% in <100M tier
2318
Total Deposits
balance_sheet
Value:
$1.50M
Peer Median: -
#2318 of 2556
Bottom 9.4% in <100M tier
2305
Fee Income Per Member
profitability
Value:
$2.56
Peer Median: -
#2305 of 2556
Bottom 9.9% in <100M tier