BlastPoint's Credit Union Scorecard
FAMILY SAVINGS
Charter #68628 · AL
FAMILY SAVINGS has 1 strength 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
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.6% in tier
- - Liquidity Strain: Bottom 22.9% in tier
- - Credit Quality Pressure: Bottom 47.6% in tier
- - Credit Risk Growth: Bottom 54.8% in tier
- - Indirect Auto Dependency: Bottom 62.6% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 12.03% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
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 10 that size in Alabama.
- Shares and deposits +3.6% year over year ($1000M in shares and deposits).
- Membership: 78,572 members, +0.9% vs a year ago.
- Delinquency rate 1.03%.
- Return on assets 0.65%.
- Efficiency ratio 85.05% vs a 73.02% peer average.
- Loan-to-share ratio 96.88% 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
78,572
+0.9% YoY+0.2% QoQ
|
-18.3K |
96,861
-1.9% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$1.2B
+3.7% YoY+0.2% QoQ
|
$-547.9M |
$1.7B
+0.4% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$968.4M
+5.1% YoY+1.1% QoQ
|
$-265.8M |
$1.2B
+0.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$999.6M
+3.6% YoY+0.1% QoQ
|
$-463.7M |
$1.5B
+0.5% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.7%
+12.2% YoY+0.5% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
3.9%
+8.4% YoY+1.4% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
85.0%
+0.6% YoY+0.5% QoQ
|
+12.0% |
73.0%
-2.7% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
1.0%
+4.4% YoY-5.6% QoQ
|
+0.2 |
0.9%
+7.3% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
96.9%
+1.5% YoY+1.0% QoQ
|
+12.2% |
84.7%
+0.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$25,048
+3.4% YoY+0.3% QoQ
|
$-5K |
$29,575
+1.5% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
34.1%
-6.5% YoY+0.4% QoQ
|
+5.0% | 29.1% | 21.8% | 20.0% | 72% |
| Indirect Auto % |
20.1%
-10.8% YoY-3.2% QoQ
|
+2.0% | 18.1% | 5.2% | 7.7% | 61% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)