BlastPoint's Credit Union Scorecard
FAMILY SAVINGS
Charter #68628 · AL
FAMILY SAVINGS has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.0% in tier
- + Wallet Share Momentum: Top 30.4% in tier
- + Emerging Performer: Top 88.7% in tier
- + Net Interest Margin 0.44% above tier average
- + Fee Income Per Member: Top 6.6% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.5% in tier
- - Indirect Auto Dependency: Bottom 13.2% in tier
- - Efficiency Drag: Bottom 17.9% in tier
- - ROA 0.02% below tier average
- - Efficiency ratio 7.68% above tier (higher cost structure)
- - Delinquency rate 0.12% above tier average
- - Net Worth Ratio: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
78,123
+2.1% YoY+0.3% QoQ
|
-20.6K |
98,678
-1.9% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$1.1B
+9.4% YoY-0.5% QoQ
|
$-590.8M |
$1.7B
+0.5% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.1% in tier |
| Loans |
$947.6M
+13.6% YoY+2.9% QoQ
|
$-285.4M |
$1.2B
+0.5% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$958.1M
+10.2% YoY-0.7% QoQ
|
$-496.2M |
$1.5B
+1.3% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.8% in tier |
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| ROA |
0.7%
-17.4% YoY+17.5% QoQ
|
-0.0% |
0.7%
+13.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
3.7%
+4.2% YoY+2.1% QoQ
|
+0.4% |
3.3%
+9.3% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
81.7%
+7.5% YoY-3.4% QoQ
|
+7.7% |
74.0%
-10.9% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.9%
-1.0% YoY-4.0% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
98.9%
+3.1% YoY+3.6% QoQ
|
+13.7% |
85.2%
-0.8% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$24,394
+9.6% YoY+0.7% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
36.0%
+2.2% YoY-1.2% QoQ
|
+7.1% |
29.0%
+0.7% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
80% |
| Indirect Auto % |
21.8%
-15.4% YoY-3.3% QoQ
|
+3.0% |
18.8%
-3.0% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
62% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)