BlastPoint's Credit Union Scorecard

FINANCIAL PARTNERS

Charter #68457 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

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 2.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.1% in tier
- Wealth Migration Risk: Bottom 16.4% in tier
- Capital Constraint: Bottom 31.3% in tier
- Liquidity Strain: Bottom 31.3% in tier
- Shrinking Wallet Share: Bottom 93.9% in tier
- Deposit Outflow: Bottom 98.4% in tier
- Efficiency ratio 0.16% above tier (higher cost structure)
- Delinquency rate 0.06% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	93,670 +0.1% YoY-0.0% QoQ	-2.4K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	57%
Assets	$2.2B -1.0% YoY+0.4% QoQ	+$527.5M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	78%
Loans	$1.6B -3.4% YoY-1.5% QoQ	+$431.5M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	79%
Deposits	$1.8B -5.4% YoY+0.9% QoQ	+$322.3M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% 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	0.7% +840.2% YoY+179.3% QoQ	+0.0%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	57%
NIM	2.7% +20.6% YoY+4.9% QoQ	-0.7%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 11.4% in tier
Efficiency Ratio	74.8% -14.7% YoY-11.6% QoQ	+0.2%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	0.8% +160.8% YoY+22.8% QoQ	+0.1	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	70%
Loan To Share	92.0% +2.1% YoY-2.4% QoQ	+8.8%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	72%
AMR	$36,651 -4.5% YoY-0.2% QoQ	+$7K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	85%
CD Concentration	39.0% -1.3% YoY-1.6% QoQ	+10.2%	28.8%	21.6%	19.8%	Top 12.0% in tier
Indirect Auto %	1.1% -33.6% YoY-9.3% QoQ	-17.0%	18.1%	9.0%	7.7%	18%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Deposit Outflow

decline

#1 of 23 • Bottom 98.4% 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): -5.36%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.13%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

23 of 384 Mid-Market CUs have this signature | 98 nationally

→ No prior data (23 CUs now) | New qualifier

Credit Quality Pressure

risk

#23 of 225 • Bottom 6.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.50% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#24 of 82 • Bottom 93.9% in tier

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

Why This Signature

AMR Growth (YoY): -4.54%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY

Capital Constraint

risk

#6 of 8 • Bottom 31.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 92.02%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -5.36%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 9.03%

(Tier: 11.28%, National: 14.35%)

worse than tier avg

8 of 384 Mid-Market CUs have this signature | 25 nationally

→ No prior data (8 CUs now) | New qualifier

Wealth Migration Risk

decline

#6 of 8 • Bottom 16.4% 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: $29.9K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -4.54%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

8 of 384 Mid-Market CUs have this signature | 28 nationally

→ No prior data (8 CUs now) | New qualifier

Liquidity Strain

risk

#145 of 148 • Bottom 31.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.02%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -3.37%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY

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 306 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $396.43

Peer Median: $191.54

#10 of 306 Top 2.9% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,564

Peer Median: $12,733

#33 of 306 Top 10.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $36,651

Peer Median: $28,178

#47 of 306 Top 15.0% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.06%

Peer Median: 13.86%

#62 of 306 Top 19.9% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.65B

Peer Median: $1.11B

#64 of 306 Top 20.6% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.25B

Peer Median: $1.51B

#68 of 306 Top 21.9% in 1B-3B tier

Top Weaknesses (8 metrics)

300

Deposit Growth Rate

growth

Value: -5.36%

Peer Median: 4.44%

#300 of 306 Bottom 2.3% in 1B-3B tier

287

AMR Growth Rate

growth

Value: -4.54%

Peer Median: 3.15%

#287 of 306 Bottom 6.5% in 1B-3B tier

281

Loan Growth Rate

growth

Value: -3.37%

Peer Median: 5.67%

#281 of 306 Bottom 8.5% in 1B-3B tier

277

Share Certificate Concentration (%)

balance_sheet

Value: 39.05%

Peer Median: 27.93%

#277 of 306 Bottom 9.8% in 1B-3B tier

274

Asset Growth Rate

growth

Value: -0.96%

Peer Median: 4.82%

#274 of 306 Bottom 10.8% in 1B-3B tier

271

Net Interest Margin (NIM)

profitability

Value: 2.66%

Peer Median: 3.37%

#271 of 306 Bottom 11.8% in 1B-3B tier

263

Net Worth Ratio

risk

Value: 9.03%

Peer Median: 10.85%

#263 of 306 Bottom 14.4% in 1B-3B tier

249

First Mortgage Concentration (%)

balance_sheet

Value: 45.35%

Peer Median: 33.05%

#249 of 306 Bottom 19.0% in 1B-3B tier