BlastPoint's Credit Union Scorecard

FAMILY SAVINGS

Charter #68628 · AL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in AL

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FAMILY SAVINGS has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 26.3% in tier
+ Emerging Performer: Top 53.0% in tier
+ Net Interest Margin 0.53% above tier average
+ Fee Income Per Member: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 12.8% in tier
- Liquidity Strain: Bottom 19.6% in tier
- Indirect Auto Dependency: Bottom 31.1% in tier
- Credit Quality Pressure: Bottom 35.0% in tier
- Credit Risk Growth: Bottom 42.1% in tier
- ROA 0.07% below tier average
- Efficiency ratio 9.95% above tier (higher cost structure)
- Delinquency rate 0.34% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	78,378 +1.3% YoY+0.5% QoQ	-17.7K	96,048 -2.7% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	40%
Assets	$1.2B +7.3% YoY+1.6% QoQ	$-545.6M	$1.7B +0.4% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	19%
Loans	$957.9M +6.9% YoY-0.5% QoQ	$-255.8M	$1.2B +0.2% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	35%
Deposits	$998.8M +7.4% YoY+1.6% QoQ	$-466.7M	$1.5B +0.5% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	18%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +27.8% YoY-25.5% QoQ	-0.1%	0.7% +27.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	49%
NIM	3.9% +6.0% YoY+3.3% QoQ	+0.5%	3.4% +6.2% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	84.6% -0.5% YoY+7.2% QoQ	+10.0%	74.6% -3.0% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	Bottom 14.1% in tier
Delinquency Rate	1.1% +8.8% YoY-6.7% QoQ	+0.3	0.8% +6.9% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	83%
Loan To Share	95.9% -0.5% YoY-2.1% QoQ	+12.7%	83.2% -0.4% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	83%
AMR	$24,965 +5.8% YoY+0.0% QoQ	$-5K	$29,652 +2.3% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	30%
CD Concentration	34.0% -7.9% YoY-3.9% QoQ	+5.1%	28.8%	21.3%	19.8%	73%
Indirect Auto %	20.7% -11.6% YoY-1.7% QoQ	+2.6%	18.1%	5.1%	7.7%	62%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#100 of 125 • Top 26.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.79%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank worsening

Emerging Performer

growth

#76 of 79 • Top 53.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.65%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 1.31%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (5)

Efficiency Drag

risk

#27 of 100 • Bottom 12.8% in tier

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

Why This Signature

Efficiency Ratio: 84.59%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.31%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#91 of 198 • Bottom 31.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.26%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 20.72%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.31%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#73 of 148 • Bottom 19.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.91%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.90%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

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

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#107 of 183 • Bottom 42.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.90%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

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

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#133 of 225 • Bottom 35.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% 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 | 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 306 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $309.39

Peer Median: $191.54

#28 of 306 Top 8.8% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.88%

Peer Median: 3.37%

#49 of 306 Top 15.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.91%

Peer Median: 85.31%

#51 of 306 Top 16.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.11%

Peer Median: 33.05%

#55 of 306 Top 17.6% in 1B-3B tier

Top Weaknesses (7 metrics)

288

Members Per Employee (MPE)

engagement

Value: 244.168

Peer Median: 345.077

#288 of 306 Bottom 6.2% in 1B-3B tier

282

Net Worth Ratio

risk

Value: 8.71%

Peer Median: 10.85%

#282 of 306 Bottom 8.2% in 1B-3B tier

264

Efficiency Ratio

profitability

Value: 84.59%

Peer Median: 75.16%

#264 of 306 Bottom 14.1% in 1B-3B tier

255

Total Delinquency Rate (60+ days)

risk

Value: 1.09%

Peer Median: 0.63%

#255 of 306 Bottom 17.0% in 1B-3B tier

252

Total Deposits

balance_sheet

Value: $998.81M

Peer Median: $1.31B

#252 of 306 Bottom 18.0% in 1B-3B tier

249

Total Assets

balance_sheet

Value: $1.17B

Peer Median: $1.51B

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

232

Share Certificate Concentration (%)

balance_sheet

Value: 33.95%

Peer Median: 27.93%

#232 of 306 Bottom 24.5% in 1B-3B tier