BlastPoint's Credit Union Scorecard

FINANCIAL PARTNERS

Charter #68457 · CA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

FINANCIAL PARTNERS has 4 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 96.3% in tier
+ Organic Growth Leader: Top 100.0% in tier
+ Fee Income Per Member: Top 9.6% in tier
+ Loan-to-Member Ratio (LMR): Top 9.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.7% in tier
- Deposit Outflow: Bottom 11.1% in tier
- Shrinking Wallet Share: Bottom 19.2% in tier
- Credit Quality Pressure: Bottom 25.7% in tier
- Wealth Migration Risk: Bottom 33.3% in tier
- Flatlined Growth: Bottom 63.6% in tier
- Liquidity Strain: Bottom 87.9% in tier
- ROA 0.42% below tier average
- Efficiency ratio 10.53% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 2.0% in tier
- AMR Growth Rate: Bottom 5.0% in tier
- Share Certificate Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	93,716 +0.5% YoY+0.0% QoQ	-3.7K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	55%
Assets	$2.2B -0.2% YoY+0.9% QoQ	+$514.7M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	77%
Loans	$1.7B -2.4% YoY+0.5% QoQ	+$436.2M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	80%
Deposits	$1.8B -8.5% YoY+0.7% QoQ	+$312.6M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	73%

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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	0.3% +81.9% YoY+19.6% QoQ	-0.4%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 13.6% in tier
NIM	2.5% +17.9% YoY+1.1% QoQ	-0.7%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 11.3% in tier
Efficiency Ratio	84.6% +2.1% YoY-2.7% QoQ	+10.5%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 9.3% in tier
Delinquency Rate	0.7% +69.3% YoY+153.2% QoQ	-0.2	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	39%
Loan To Share	94.3% +6.6% YoY-0.3% QoQ	+9.5%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	73%
AMR	$36,734 -6.1% YoY+0.6% QoQ	+$7K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 13.6% in tier
CD Concentration	39.7% -5.3% YoY-0.2% QoQ	+10.6%	29.0%	21.7%	19.8%	Top 11.7% in tier
Indirect Auto %	1.2% -30.5% YoY-11.1% QoQ	-17.1%	18.3%	9.2%	7.8%	18%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#238 of 247 • Top 96.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.50%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.27%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 1.17%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#142 of 142 • Top 100.0% in tier

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

Why This Signature

Member Growth (YoY): 0.50%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 1.17%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Concerns (7)

Efficiency Drag

risk

#7 of 90 • Bottom 6.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.58%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.12% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 0.50%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Deposit Outflow

decline

#3 of 19 • Bottom 11.1% 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): -8.52%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.50%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 91 nationally

→ No prior data (19 CUs now) | New qualifier

Shrinking Wallet Share

decline

#16 of 79 • Bottom 19.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.14%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Credit Quality Pressure

risk

#55 of 211 • Bottom 25.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.27% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Wealth Migration Risk

decline

#5 of 13 • Bottom 33.3% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $36.7K

(Tier: $29.5K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -6.14%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

13 of 378 Mid-Market CUs have this signature | 34 nationally

→ No prior data (13 CUs now) | New qualifier

Flatlined Growth

risk

#8 of 12 • Bottom 63.6% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.17%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Return on Assets: 0.27%

(Tier: 0.69%, National: 0.67%)

worse than tier avg

12 of 378 Mid-Market CUs have this signature | 59 nationally

→ No prior data (12 CUs now) | New qualifier

Liquidity Strain

risk

#146 of 166 • Bottom 87.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.28%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.45%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 302 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $302.65

Peer Median: -

#30 of 302 Top 9.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,827

Peer Median: -

#31 of 302 Top 9.9% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $36,734

Peer Median: -

#41 of 302 Top 13.2% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.67B

Peer Median: -

#60 of 302 Top 19.5% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.17%

Peer Median: -

#63 of 302 Top 20.5% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.24B

Peer Median: -

#70 of 302 Top 22.8% in 1B-3B tier

Top Weaknesses (10 metrics)

297

Deposit Growth Rate

growth

Value: -8.52%

Peer Median: -

#297 of 302 Bottom 2.0% in 1B-3B tier

288

AMR Growth Rate

growth

Value: -6.14%

Peer Median: -

#288 of 302 Bottom 5.0% in 1B-3B tier

275

Efficiency Ratio

profitability

Value: 84.58%

Peer Median: -

#275 of 302 Bottom 9.3% in 1B-3B tier

273

Share Certificate Concentration (%)

balance_sheet

Value: 39.68%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

272

Net Worth Ratio

risk

Value: 8.88%

Peer Median: -

#272 of 302 Bottom 10.3% in 1B-3B tier

268

Net Interest Margin (NIM)

profitability

Value: 2.54%

Peer Median: -

#268 of 302 Bottom 11.6% in 1B-3B tier

265

Loan Growth Rate

growth

Value: -2.45%

Peer Median: -

#265 of 302 Bottom 12.6% in 1B-3B tier

261

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: -

#261 of 302 Bottom 13.9% in 1B-3B tier

261

Asset Growth Rate

growth

Value: -0.17%

Peer Median: -

#261 of 302 Bottom 13.9% in 1B-3B tier

243

First Mortgage Concentration (%)

balance_sheet

Value: 44.45%

Peer Median: -

#243 of 302 Bottom 19.9% in 1B-3B tier