BlastPoint's Credit Union Scorecard
FINEX
Charter #68662 · CT
FINEX has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 15.28% above tier (higher cost structure)
- - Delinquency rate 0.54% above tier average
- - Member decline: -7.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,083
-7.4% YoY-1.4% QoQ
|
+937 |
15,145
-2.5% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$134.2M
-7.2% YoY+0.7% QoQ
|
$-97.6M |
$231.7M
+0.8% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$95.8M
-5.0% YoY-1.0% QoQ
|
$-48.4M |
$144.1M
+0.2% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$118.2M
-6.2% YoY+1.7% QoQ
|
$-82.9M |
$201.1M
+0.4% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.3%
-248.6% YoY-139.6% QoQ
|
-0.4% |
0.7%
+5.1% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
4.0%
+10.5% YoY+0.4% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
93.3%
+0.2% YoY+1.1% QoQ
|
+15.3% |
78.0%
-1.7% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.2% in tier |
| Delinquency Rate |
1.3%
-34.5% YoY-24.2% QoQ
|
+0.5 |
0.8%
+7.1% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.3% in tier |
| Loan To Share |
81.0%
+1.3% YoY-2.6% QoQ
|
+10.6% |
70.4%
-0.4% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$13,306
+1.8% YoY+1.9% QoQ
|
$-12K |
$24,918
+2.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.1% in tier |
| CD Concentration |
12.1%
-5.2% YoY-8.3% QoQ
|
-12.2% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % |
12.4%
-39.4% YoY-12.9% QoQ
|
-1.4% | 13.8% | 4.5% | 7.7% | 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)