BlastPoint's Credit Union Scorecard
FAMILIES AND SCHOOLS TOGETHER
Charter #9109 · CA
FAMILIES AND SCHOOLS TOGETHER has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 1.66% above tier average
- + Net Interest Margin 0.82% above tier average
- + Efficiency Ratio: Top 3.0% in tier
- + Net Worth Ratio: Top 3.5% in tier
- + Loan-to-Share Ratio: Top 8.8% in tier
- + Fee Income Per Member: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits +4.8% year over year ($260M in shares and deposits).
- Membership: 18,809 members, +2.0% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 2.52%.
- Efficiency ratio 52.43% vs a 76.73% peer average.
- Loan-to-share ratio 93.22% vs a 71.54% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,809
+2.0% YoY+0.1% QoQ
|
+3.6K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$329.6M
+9.2% YoY+0.4% QoQ
|
+$97.6M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$242.6M
+4.7% YoY-0.0% QoQ
|
+$96.4M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 14.5% in tier |
| Deposits |
$260.3M
+4.8% YoY-0.6% QoQ
|
+$59.6M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
2.5%
-14.6% YoY+1.6% QoQ
|
+1.7% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 0.8% in tier |
| NIM |
4.5%
-1.4% YoY+0.1% QoQ
|
+0.8% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
52.4%
+14.4% YoY+0.9% QoQ
|
-24.3% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.4%
+102.2% YoY+77.7% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
93.2%
-0.1% YoY+0.6% QoQ
|
+21.7% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 8.9% in tier |
| AMR |
$26,740
+2.7% YoY-0.4% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
12.6%
+10.3% YoY+3.6% QoQ
|
-12.0% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
2.5%
-8.1% YoY-0.7% QoQ
|
-11.1% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (6)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)