BlastPoint's Credit Union Scorecard
FAMILIES AND SCHOOLS TOGETHER
Charter #9109 · CA
FAMILIES AND SCHOOLS TOGETHER has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.9% in tier
- + Profitability Leader: Top 1.2% in tier
- + Organic Growth Leader: Top 7.4% in tier
- + ROA 2.12% above tier average
- + Net Interest Margin 0.98% above tier average
- + Efficiency Ratio: Top 1.0% in tier
- + Net Worth Ratio: Top 3.5% in tier
- + Loan-to-Share Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.2% in tier
- - Liquidity Strain: Bottom 11.2% in tier
- - Credit Quality Pressure: Bottom 17.2% in tier
- - Liquidity Overhang: Bottom 72.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,519
+4.5% YoY+0.4% QoQ
|
+2.9K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$310.0M
+4.7% YoY+2.8% QoQ
|
+$78.7M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$240.2M
+10.5% YoY+3.7% QoQ
|
+$92.4M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$253.9M
+4.7% YoY+2.3% QoQ
|
+$53.6M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
2.9%
+5.5% YoY-1.4% QoQ
|
+2.1% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.5% in tier |
| NIM |
4.6%
+5.2% YoY-0.1% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 7.8% in tier |
| Efficiency Ratio |
46.4%
+0.0% YoY+1.1% QoQ
|
-30.9% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
0.4%
+56.6% YoY+115.8% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
94.6%
+5.5% YoY+1.4% QoQ
|
+21.9% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$26,681
+2.8% YoY+2.5% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
11.6%
+11.8% YoY+1.8% QoQ
|
-12.8% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
2.7%
-31.7% YoY-0.9% QoQ
|
-11.3% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)