BlastPoint's Credit Union Scorecard
FOUNTAIN VALLEY
Charter #64108 · CA
FOUNTAIN VALLEY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 45.26% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Loan Growth Rate: Bottom 2.1% in tier
- - Total Members: Bottom 3.7% in tier
- - AMR Growth Rate: Bottom 5.5% in tier
- - Total Loans: Bottom 8.2% in tier
- - Total Assets: Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -5.6% year over year ($1.5M in shares and deposits).
- Membership: 172 members, -2.8% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.23%.
- Efficiency ratio 134.02% vs a 88.77% peer average.
- Loan-to-share ratio 36.60% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
172
-2.8% YoY-2.3% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 3.6% in tier |
| Assets |
$2.0M
-4.7% YoY+0.4% QoQ
|
$-28.3M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.1% in tier |
| Loans |
$554,245
-32.6% YoY-4.3% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.2% in tier |
| Deposits |
$1.5M
-5.6% YoY+0.4% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
-163.8% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
3.6%
-18.0% YoY+1.3% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
134.0%
+35.2% YoY-1.4% QoQ
|
+45.3% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
36.6%
-28.6% YoY-4.7% QoQ
|
-22.3% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$12,028
-12.2% YoY+1.4% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 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)