BlastPoint's Credit Union Scorecard
FAMILY SAVINGS
Charter #68628 · AL
FAMILY SAVINGS has 7 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
- + Wallet Share Momentum: Top 28.7% in tier
- + Organic Growth Engine: Top 68.7% in tier
- + Emerging Performer: Top 80.3% in tier
- + ROA 0.19% above tier average
- + Net Interest Margin 0.48% above tier average
- + Fee Income Per Member: Top 4.6% in tier
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18.8% in tier
- - Indirect Auto Dependency: Bottom 39.0% in tier
- - Credit Risk Growth: Bottom 61.4% in tier
- - Credit Quality Pressure: Bottom 94.8% in tier
- - Efficiency ratio 4.87% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Members Per Employee (MPE): Bottom 5.6% in tier
- - Net Worth Ratio: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,957
+1.9% YoY-0.2% QoQ
|
-19.5K |
97,431
-2.4% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$1.2B
+10.8% YoY+2.4% QoQ
|
$-567.0M |
$1.7B
+0.9% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$962.7M
+12.4% YoY+1.6% QoQ
|
$-271.8M |
$1.2B
+0.5% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$982.8M
+11.5% YoY+2.6% QoQ
|
$-476.5M |
$1.5B
+0.9% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.9%
+19.0% YoY+27.5% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
3.8%
+5.2% YoY+1.4% QoQ
|
+0.5% |
3.3%
+9.2% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
78.9%
+1.2% YoY-3.3% QoQ
|
+4.9% |
74.1%
-9.5% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.2%
+1.6% YoY+23.6% QoQ
|
+0.3 |
0.9%
+6.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
97.9%
+0.8% YoY-1.0% QoQ
|
+13.2% |
84.8%
-0.8% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$24,956
+9.8% YoY+2.3% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
35.3%
-0.6% YoY-2.0% QoQ
|
+6.3% | 29.0% | 21.2% | 19.8% | 77% |
| Indirect Auto % |
21.1%
-14.2% YoY-3.1% QoQ
|
+2.8% | 18.3% | 5.2% | 7.8% | 61% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 (4)
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 Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)