BlastPoint's Credit Union Scorecard
FOUNTAIN VALLEY
Charter #64108 · CA
2596 CUs in <100M nationally
92 in CA
FOUNTAIN VALLEY has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% 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 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 22.60% above tier (higher cost structure)
- - Delinquency rate 0.51% above tier average
- - Member decline: -2.2% YoY
- - Deposit Growth Rate: Bottom 2.2% in tier
- - AMR Growth Rate: Bottom 2.2% in tier
- - Loan Growth Rate: Bottom 2.5% in tier
- - Asset Growth Rate: Bottom 2.9% in tier
- - Total Members: Bottom 3.8% in tier
- - Fee Income Per Member: Bottom 8.7% in tier
- - Total Loans: Bottom 9.4% in tier
- - Total Assets: Bottom 9.7% in tier
- - Total Deposits: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
176
-2.2% YoY-0.6% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 3.7% in tier |
| Assets |
$2.0M
-13.1% YoY-4.4% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.7% in tier |
| Loans |
$698,698
-30.0% YoY-15.0% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.3% in tier |
| Deposits |
$1.5M
-16.6% YoY-5.6% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.7% in tier |
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| ROA |
-0.2%
-145.1% YoY-586.1% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.8% in tier |
| NIM |
4.5%
-5.3% YoY+1.5% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
104.0%
+39.6% YoY+4.9% QoQ
|
+22.6% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 9.0% in tier |
| Delinquency Rate |
2.0%
-5.4% YoY-1.3% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
46.2%
-16.1% YoY-9.9% QoQ
|
-15.1% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$12,570
-19.6% YoY-8.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
77
Net Charge-Off Rate
risk
Value:
-0.18%
Peer Avg: -
#77 of 2596
Top 2.9% in <100M tier
355
Net Worth Ratio
risk
Value:
23.27%
Peer Avg: -
#355 of 2596
Top 13.6% in <100M tier
Top Weaknesses (13 metrics)
2540
Deposit Growth Rate
growth
Value:
-16.63%
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2539
AMR Growth Rate
growth
Value:
-19.60%
Peer Avg: -
#2539 of 2596
Bottom 2.2% in <100M tier
2533
Loan Growth Rate
growth
Value:
-30.04%
Peer Avg: -
#2533 of 2596
Bottom 2.5% in <100M tier
2523
Asset Growth Rate
growth
Value:
-13.14%
Peer Avg: -
#2523 of 2596
Bottom 2.9% in <100M tier
2498
Total Members
engagement
Value:
176
Peer Avg: -
#2498 of 2596
Bottom 3.8% in <100M tier
2372
Fee Income Per Member
profitability
Value:
$1.48
Peer Avg: -
#2372 of 2596
Bottom 8.7% in <100M tier
2363
Efficiency Ratio
profitability
Value:
104.00%
Peer Avg: -
#2363 of 2596
Bottom 9.0% in <100M tier
2354
Total Loans
balance_sheet
Value:
$698,698
Peer Avg: -
#2354 of 2596
Bottom 9.4% in <100M tier
2344
Total Assets
balance_sheet
Value:
$1.98M
Peer Avg: -
#2344 of 2596
Bottom 9.7% in <100M tier
2344
Total Deposits
balance_sheet
Value:
$1.51M
Peer Avg: -
#2344 of 2596
Bottom 9.7% in <100M tier