BlastPoint's Credit Union Scorecard
FINEX
Charter #68662 · CT
FINEX has 2 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.39% above tier average
- + Members Per Employee (MPE): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 1.3% in tier
- - Membership Headwinds: Bottom 9.8% in tier
- - Institutional Decline: Bottom 22.6% in tier
- - Efficiency Drag: Bottom 64.8% in tier
- - ROA 1.57% below tier average
- - Efficiency ratio 15.26% above tier (higher cost structure)
- - Delinquency rate 0.83% above tier average
- - Member decline: -8.4% YoY
- - Asset Growth Rate: Bottom 2.1% in tier
- - Net Charge-Off Rate: Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Member Growth Rate: Bottom 4.6% in tier
- - Loan Growth Rate: Bottom 6.5% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
- - Net Worth Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,315
-8.4% YoY-1.6% QoQ
|
+877 |
15,437
-2.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$133.2M
-5.6% YoY-0.7% QoQ
|
$-98.7M |
$231.9M
+1.3% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$96.7M
-7.2% YoY+1.0% QoQ
|
$-50.6M |
$147.3M
-0.1% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$116.2M
-2.4% YoY-1.4% QoQ
|
$-84.6M |
$200.8M
+0.8% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
-0.8%
+137.9% YoY+18.9% QoQ
|
-1.6% |
0.8%
+18.2% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.7% in tier |
| NIM |
4.0%
+6.6% YoY+2.9% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
92.3%
+4.2% YoY-0.3% QoQ
|
+15.3% |
77.0%
-3.1% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Top 6.6% in tier |
| Delinquency Rate |
1.7%
-21.2% YoY-24.0% QoQ
|
+0.8 |
0.9%
+4.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Top 10.1% in tier |
| Loan To Share |
83.2%
-4.9% YoY+2.4% QoQ
|
+11.0% |
72.2%
-1.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$13,054
+4.1% YoY+1.3% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.2% in tier |
| CD Concentration |
13.1%
-0.8% YoY-1.5% QoQ
|
-11.3% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % |
14.2%
-35.4% YoY-14.8% QoQ
|
+0.4% | 13.8% | 4.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)