BlastPoint's Credit Union Scorecard

FINANCIAL PARTNERS

Charter #68457 · CA

Mid-Market 1B-3B

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

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FINANCIAL PARTNERS has 5 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 32.7% in tier
+ Organic Growth Leader: Top 34.2% in tier
+ Credit Quality Leader: Top 38.3% in tier
+ Total Delinquency Rate (60+ days): Top 8.9% in tier
+ Loan-to-Member Ratio (LMR): Top 9.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.2% in tier
- Shrinking Wallet Share: Bottom 2.3% in tier
- Wealth Migration Risk: Bottom 6.5% in tier
- Deposit Outflow: Bottom 8.7% in tier
- Capital Constraint: Bottom 9.1% in tier
- Liquidity Strain: Bottom 29.4% in tier
- ROA 0.48% below tier average
- Efficiency ratio 12.99% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 2.0% in tier
- AMR Growth Rate: Bottom 3.0% in tier
- Loan Growth Rate: Bottom 8.2% in tier
- Share Certificate Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	93,682 +0.7% YoY+0.4% QoQ	-5.0K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	54%
Assets	$2.2B -0.9% YoY-1.7% QoQ	+$498.9M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	76%
Loans	$1.7B -5.4% YoY-5.2% QoQ	+$429.9M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	79%
Deposits	$1.8B -9.8% YoY-1.8% QoQ	+$305.1M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	72%

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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	0.2% +30.5% YoY+147.0% QoQ	-0.5%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 9.5% in tier
NIM	2.5% +17.4% YoY+7.3% QoQ	-0.8%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 11.2% in tier
Efficiency Ratio	87.0% +5.5% YoY-3.3% QoQ	+13.0%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Top 5.3% in tier
Delinquency Rate	0.3% -49.2% YoY+10.7% QoQ	-0.6	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 8.9% in tier
Loan To Share	94.5% +4.9% YoY-3.5% QoQ	+9.3%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	72%
AMR	$36,532 -8.3% YoY-3.9% QoQ	+$7K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 12.2% in tier
CD Concentration	39.8% -5.7% YoY+5.9% QoQ	+10.8%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	Top 11.8% in tier
Indirect Auto %	1.3% -26.2% YoY-0.5% QoQ	-17.5%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	18%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#238 of 246 • Top 32.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.68%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.22%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 1.32%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth

#135 of 138 • Top 34.2% in tier

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

Why This Signature

Member Growth (YoY): 0.68%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 1.32%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank worsening

Credit Quality Leader

growth

#37 of 95 • Top 38.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.26%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.25% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk

#5 of 96 • Bottom 1.2% in tier

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

Why This Signature

Efficiency Ratio: 86.97%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.05% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.68%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#8 of 83 • Bottom 2.3% in tier

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

Why This Signature

AMR Growth (YoY): -8.35%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Wealth Migration Risk

decline

#4 of 10 • Bottom 6.5% in tier

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

Why This Signature

Avg Member Relationship: $36.5K

(Tier: $29.2K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -8.35%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

10 of 380 Mid-Market CUs have this signature | 39 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Deposit Outflow

decline

#3 of 24 • Bottom 8.7% 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): -9.81%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.68%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 109 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Capital Constraint

risk

#4 of 9 • Bottom 9.1% 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: 94.52%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -9.81%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 9.02%

(Tier: 11.30%, National: 14.51%)

worse than tier avg

9 of 380 Mid-Market CUs have this signature | 29 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Liquidity Strain

risk

#155 of 183 • Bottom 29.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.52%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -5.41%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (7 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Avg: -

#28 of 304 Top 8.9% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,751

Peer Avg: -

#31 of 304 Top 9.9% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $36,532

Peer Avg: -

#37 of 304 Top 11.8% in 1B-3B tier

Fee Income Per Member

profitability

Value: $262.76

Peer Avg: -

#56 of 304 Top 18.1% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.32%

Peer Avg: -

#62 of 304 Top 20.1% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.66B

Peer Avg: -

#63 of 304 Top 20.4% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.22B

Peer Avg: -

#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (10 metrics)

299

Deposit Growth Rate

growth

Value: -9.81%

Peer Avg: -

#299 of 304 Bottom 2.0% in 1B-3B tier

296

AMR Growth Rate

growth

Value: -8.35%

Peer Avg: -

#296 of 304 Bottom 3.0% in 1B-3B tier

289

Efficiency Ratio

profitability

Value: 86.97%

Peer Avg: -

#289 of 304 Bottom 5.3% in 1B-3B tier

280

Loan Growth Rate

growth

Value: -5.41%

Peer Avg: -

#280 of 304 Bottom 8.2% in 1B-3B tier

275

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Avg: -

#275 of 304 Bottom 9.9% in 1B-3B tier

275

Share Certificate Concentration (%)

balance_sheet

Value: 39.76%

Peer Avg: -

#275 of 304 Bottom 9.9% in 1B-3B tier

270

Net Interest Margin (NIM)

profitability

Value: 2.51%

Peer Avg: -

#270 of 304 Bottom 11.5% in 1B-3B tier

269

Net Worth Ratio

risk

Value: 9.02%

Peer Avg: -

#269 of 304 Bottom 11.8% in 1B-3B tier

263

Asset Growth Rate

growth

Value: -0.94%

Peer Avg: -

#263 of 304 Bottom 13.8% in 1B-3B tier

245

First Mortgage Concentration (%)

balance_sheet

Value: 45.22%

Peer Avg: -

#245 of 304 Bottom 19.7% in 1B-3B tier