BlastPoint's Credit Union Scorecard

F3

Charter #64835 · CA

1069 CUs in 100M-500M nationally 63 in CA

F3 has 5 strengths but faces 4 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

+ Organic Growth Leader: Top 76.7% in tier
+ Organic Growth Engine: Top 81.5% in tier
+ Emerging Performer: Top 95.0% in tier
+ ROA 0.02% above tier average
+ Net Worth Ratio: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 28.4% in tier
- Indirect Auto Dependency: Bottom 94.3% in tier
- Delinquency rate 0.25% above tier average
- Net Charge-Off Rate: Bottom 5.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	13,030 +1.3% YoY+0.9% QoQ	-2.4K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	48%
Assets	$240.1M +2.9% YoY+0.6% QoQ	+$8.2M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	61%
Loans	$108.9M +0.4% YoY-1.4% QoQ	$-38.5M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	41%
Deposits	$200.7M +1.6% YoY+0.4% QoQ	$-148K	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +60.7% YoY+5.5% QoQ	+0.0%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	52%
NIM	3.4% +0.7% YoY-1.5% QoQ	-0.2%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	65.6% -4.7% YoY-2.6% QoQ	-11.5%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	16%
Delinquency Rate	1.1% -12.2% YoY+11.1% QoQ	+0.3	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	76%
Loan To Share	54.3% -1.2% YoY-1.7% QoQ	-18.0%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 14.4% in tier
AMR	$23,756 -0.1% YoY-1.2% QoQ	$-920	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	56%
CD Concentration	19.2% +17.8% YoY+8.6% QoQ	-5.3%	24.4%	21.7%	19.8%	50%
Indirect Auto %	18.2% +45.7% YoY+6.1% QoQ	+4.4%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#327 of 426 • Top 76.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.33%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 18.18%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#485 of 595 • Top 81.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.33%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.78%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 18.18%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#173 of 182 • Top 95.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.78%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.33%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Liquidity Overhang

risk

#39 of 135 • Bottom 28.4% in tier

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

Why This Signature

Net Worth Ratio: 17.88%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 54.26%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Indirect Auto Dependency

risk

#477 of 506 • Bottom 94.3% in tier

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

Why This Signature

Asset Growth (YoY): 2.92%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 18.18%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.33%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (2 metrics)

Net Worth Ratio

risk

Value: 17.88%

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

172

Efficiency Ratio

profitability

Value: 65.55%

Peer Median: -

#172 of 1069 Top 16.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1008

Net Charge-Off Rate

risk

Value: 1.36%

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

915

Loan-to-Share Ratio

balance_sheet

Value: 54.26%

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier

906

Fee Income Per Member

profitability

Value: $102.14

Peer Median: -

#906 of 1069 Bottom 15.3% in 100M-500M tier

879

AMR Growth Rate

growth

Value: -0.14%

Peer Median: -

#879 of 1069 Bottom 17.9% in 100M-500M tier

817

Total Delinquency Rate (60+ days)

risk

Value: 1.14%

Peer Median: -

#817 of 1069 Bottom 23.7% in 100M-500M tier

811

First Mortgage Concentration (%)

balance_sheet

Value: 42.42%

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier