BlastPoint's Credit Union Scorecard
FOUNTAIN VALLEY
Charter #64108 · CA
FOUNTAIN VALLEY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 2.08% below tier average
- - Efficiency ratio 45.24% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 1.9% in tier
- - Total Members: Bottom 3.8% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - Total Loans: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
176
-1.7% YoY+2.3% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 3.7% in tier |
| Assets |
$2.0M
-10.6% YoY+0.3% QoQ
|
$-28.2M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.3% in tier |
| Loans |
$579,196
-35.8% YoY-10.1% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.5% in tier |
| Deposits |
$1.5M
-12.7% YoY+0.9% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.2% in tier |
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| ROA |
-1.9%
-961.0% YoY+543.7% QoQ
|
-2.1% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.9% in tier |
| NIM |
3.6%
-18.1% YoY-21.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
135.9%
+43.3% YoY+27.4% QoQ
|
+45.2% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate |
0.1%
+27.3% YoY+11.2% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
38.4%
-26.5% YoY-10.9% QoQ
|
-20.1% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$11,863
-19.3% YoY-4.6% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)