BlastPoint's Credit Union Scorecard

FINANCIAL PARTNERS

Charter #68457 · CA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 37 in CA

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FINANCIAL PARTNERS has 1 strength but faces 8 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

+ Fee Income Per Member: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.7% in tier
- Wealth Migration Risk: Bottom 17.1% in tier
- Liquidity Strain: Bottom 44.8% in tier
- Deposit Outflow: Bottom 94.1% in tier
- Shrinking Wallet Share: Bottom 95.7% in tier
- Efficiency ratio 0.93% above tier (higher cost structure)
- Loan Growth Rate: Bottom 1.7% in tier
- Asset Growth Rate: Bottom 3.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
Shares and deposits -1.9% year over year ($1.76B in shares and deposits).
Membership: 93,298 members, -0.0% vs a year ago.
Delinquency rate 0.70%.
Return on assets 0.84%.
Efficiency ratio 73.95% vs a 73.02% peer average.
Loan-to-share ratio 90.02% vs a 84.71% 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	93,298 -0.0% YoY-0.4% QoQ	-3.6K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	56%
Assets	$2.2B -3.0% YoY-2.5% QoQ	+$466.2M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	76%
Loans	$1.6B -9.8% YoY-3.8% QoQ	+$348.0M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	76%
Deposits	$1.8B -1.9% YoY-1.7% QoQ	+$294.3M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	71%

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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% +829.7% YoY+12.6% QoQ	+0.0%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	57%
NIM	2.6% +11.9% YoY-1.8% QoQ	-0.8%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 8.0% in tier
Efficiency Ratio	74.0% -17.8% YoY-1.1% QoQ	+0.9%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	52%
Delinquency Rate	0.7% +192.4% YoY-15.1% QoQ	-0.2	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	50%
Loan To Share	90.0% -8.1% YoY-2.2% QoQ	+5.3%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	60%
AMR	$35,798 -5.8% YoY-2.3% QoQ	+$6K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	84%
CD Concentration	38.6% +2.7% YoY-1.3% QoQ	+9.5%	29.1%	22.2%	20.0%	Top 13.6% in tier
Indirect Auto %	1.0% -21.0% YoY-1.5% QoQ	-17.0%	18.1%	9.2%	7.7%	17%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#25 of 215 • Bottom 6.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.46% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#17 of 69 • Bottom 95.7% in tier

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

Why This Signature

AMR Growth (YoY): -5.79%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank improving

Wealth Migration Risk

decline

#5 of 11 • Bottom 17.1% in tier

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

Why This Signature

Avg Member Relationship: $35.8K

(Tier: $29.9K, National: $20.0K)

but better than tier avg

AMR Growth (YoY): -5.79%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

11 of 377 Mid-Market CUs have this signature | 24 nationally

→ Stable (15→11 CUs) -4 CUs YoY

Deposit Outflow

decline

#11 of 23 • Bottom 94.1% 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): -1.92%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.03%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY

Liquidity Strain

risk

#168 of 168 • Bottom 44.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.02%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -9.82%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $440.14

Peer Median: $204.73

#7 of 300 Top 2.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,959

Peer Median: $12,809

#36 of 300 Top 11.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $35,798

Peer Median: $28,089

#47 of 300 Top 15.3% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.05%

Peer Median: 14.26%

#57 of 300 Top 18.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.58B

Peer Median: $1.14B

#72 of 300 Top 23.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.19B

Peer Median: $1.51B

#73 of 300 Top 24.0% in 1B-3B tier

Top Weaknesses (8 metrics)

296

Loan Growth Rate

growth

Value: -9.82%

Peer Median: 5.71%

#296 of 300 Bottom 1.7% in 1B-3B tier

291

Asset Growth Rate

growth

Value: -2.96%

Peer Median: 5.21%

#291 of 300 Bottom 3.3% in 1B-3B tier

287

AMR Growth Rate

growth

Value: -5.79%

Peer Median: 3.19%

#287 of 300 Bottom 4.7% in 1B-3B tier

277

Deposit Growth Rate

growth

Value: -1.92%

Peer Median: 4.79%

#277 of 300 Bottom 8.0% in 1B-3B tier

276

Net Interest Margin (NIM)

profitability

Value: 2.61%

Peer Median: 3.46%

#276 of 300 Bottom 8.3% in 1B-3B tier

269

Share Certificate Concentration (%)

balance_sheet

Value: 38.55%

Peer Median: 28.24%

#269 of 300 Bottom 10.7% in 1B-3B tier

245

First Mortgage Concentration (%)

balance_sheet

Value: 44.85%

Peer Median: 33.59%

#245 of 300 Bottom 18.7% in 1B-3B tier

242

Net Worth Ratio

risk

Value: 9.50%

Peer Median: 10.91%

#242 of 300 Bottom 19.7% in 1B-3B tier