BlastPoint's Credit Union Scorecard

F3

Charter #64835 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

F3 has 1 strength but faces 7 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Worth Ratio: Top 5.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.19% below tier average
- Delinquency rate 0.21% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	12,873 -0.1% YoY-1.2% QoQ	-2.3K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	48%
Assets	$239.4M +0.3% YoY-0.3% QoQ	+$7.7M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	60%
Loans	$113.6M +5.4% YoY+4.3% QoQ	$-30.6M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	45%
Deposits	$199.7M -0.9% YoY-0.5% QoQ	$-1.4M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	59%

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

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +107.1% YoY-31.3% QoQ	-0.2%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	38%
NIM	3.4% -0.5% YoY-1.6% QoQ	-0.3%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	35%
Efficiency Ratio	71.9% -2.7% YoY+9.7% QoQ	-6.1%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	1.0% +50.8% YoY-14.2% QoQ	+0.2	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	75%
Loan To Share	56.9% +6.4% YoY+4.8% QoQ	-13.5%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	21%
AMR	$24,337 +1.4% YoY+2.4% QoQ	$-582	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	58%
CD Concentration	19.3% +15.3% YoY+0.6% QoQ	-5.0%	24.3%	21.6%	19.8%	50%
Indirect Auto %	19.3% +38.1% YoY+6.2% QoQ	+5.5%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#206 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Overhang

risk

#41 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.07%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 56.88%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Credit Risk Growth

risk

#162 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.40%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Deposit Outflow

decline

#62 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.92%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): -0.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Indirect Auto Dependency

risk

#470 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.33%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 19.30%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (1 metrics)

Net Worth Ratio

risk

Value: 18.07%

Peer Median: 11.45%

#55 of 1070 Top 5.0% in 100M-500M tier

Top Weaknesses (5 metrics)

946

Net Charge-Off Rate

risk

Value: 1.00%

Peer Median: 0.35%

#946 of 1070 Bottom 11.7% in 100M-500M tier

905

Deposit Growth Rate

growth

Value: -0.92%

Peer Median: 3.30%

#905 of 1070 Bottom 15.5% in 100M-500M tier

859

Asset Growth Rate

growth

Value: 0.33%

Peer Median: 3.91%

#859 of 1070 Bottom 19.8% in 100M-500M tier

843

Loan-to-Share Ratio

balance_sheet

Value: 56.88%

Peer Median: 71.88%

#843 of 1070 Bottom 21.3% in 100M-500M tier

807

Total Delinquency Rate (60+ days)

risk

Value: 0.98%

Peer Median: 0.61%

#807 of 1070 Bottom 24.7% in 100M-500M tier