BlastPoint's Credit Union Scorecard

FAMILIES AND SCHOOLS TOGETHER

Charter #9109 · CA

100M-500M
1070 CUs in 100M-500M nationally 62 in CA

FAMILIES AND SCHOOLS TOGETHER has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?
CA Analysis

How does CA stack up?

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 1.75% above tier average
  • + Net Interest Margin 0.87% above tier average
  • + Efficiency Ratio: Top 2.7% in tier
  • + Net Worth Ratio: Top 3.4% in tier
  • + Loan-to-Share Ratio: Top 6.9% in tier
  • + Fee Income Per Member: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Liquidity Strain: Bottom 50.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 18,798
+2.5% YoY+1.1% QoQ
 +3.7K 15,145
-2.5% YoY
 57,202
-0.9% YoY
 33,913
+5.7% YoY
 73%
Assets $328.1M
+9.6% YoY+3.6% QoQ
 +$96.4M $231.7M
+0.8% YoY
 $1.2B
+0.4% YoY
 $578.3M
+9.0% YoY
 77%
Loans $242.7M
+5.4% YoY-0.5% QoQ
 +$98.6M $144.1M
+0.2% YoY
 $813.8M
+0.1% YoY
 $402.4M
+8.7% YoY
 Top 14.4% in tier
Deposits $261.9M
+5.2% YoY+4.4% QoQ
 +$60.8M $201.1M
+0.4% YoY
 $1.0B
+1.2% YoY
 $494.3M
+9.1% YoY
 73%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 2.5%
-15.1% YoY-11.2% QoQ
 +1.8% 0.7%
+5.1% YoY
 2.1%
+290.7% YoY
 0.4%
-39.2% YoY
 Top 1.4% in tier
NIM 4.5%
-1.3% YoY-0.9% QoQ
 +0.9% 3.6%
+4.6% YoY
 5.0%
+56.5% YoY
 3.8%
+4.1% YoY
 Top 10.0% in tier
Efficiency Ratio 52.0%
+12.3% YoY+7.7% QoQ
 -26.1% 78.0%
-1.7% YoY
 81.3%
-2.7% YoY
 84.6%
+2.8% YoY
 Top 2.7% in tier
Delinquency Rate 0.2%
-21.6% YoY-53.6% QoQ
 -0.6 0.8%
+7.1% YoY
 0.6%
-45.1% YoY
 1.2%
+3.4% YoY
 Top 13.7% in tier
Loan To Share 92.7%
+0.2% YoY-4.6% QoQ
 +22.3% 70.4%
-0.4% YoY
 67.3%
-0.6% YoY
 65.6%
-1.4% YoY
 Top 7.0% in tier
AMR $26,845
+2.7% YoY+0.8% QoQ
 +$2K $24,918
+2.7% YoY
 $28,733
+1.2% YoY
 $19,920
+1.6% YoY
 70%
CD Concentration 12.1%
+14.3% YoY+3.1% QoQ
 -12.1% 24.3% 21.6% 19.8% 50%
Indirect Auto % 2.5%
-19.6% YoY-5.8% QoQ
 -11.3% 13.8% 9.0% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#82 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.46%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 2.48%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 2.50%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#194 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.46%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 2.50%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (4)

Margin Compression

decline
#3 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 2.48%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 2.92%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.44% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | New qualifier

Cost Spiral

risk
#39 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 5.70% points
(Tier: -1.19% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 42.52%
(Tier: 60.69%, National: 64.04%)
but better than tier avg
83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally
→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Liquidity Strain

risk
#112 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.68%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 5.37%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally
→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Liquidity Overhang

risk
#93 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 19.54%
(Tier: 11.91%, National: 14.35%)
but better than tier avg
Loan-to-Share Ratio: 92.68%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally
↑ Growing +19 CUs YoY | Rank worsening

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)

Comparing against 1070 peers in tier

Top Strengths (15 metrics)

15
Return on Assets (ROA)
profitability
Value: 2.48%
Peer Median: 0.69%
#15 of 1070 Top 1.3% in 100M-500M tier
30
Efficiency Ratio
profitability
Value: 51.96%
Peer Median: 78.68%
#30 of 1070 Top 2.7% in 100M-500M tier
37
Net Worth Ratio
risk
Value: 19.54%
Peer Median: 11.45%
#37 of 1070 Top 3.4% in 100M-500M tier
75
Loan-to-Share Ratio
balance_sheet
Value: 92.68%
Peer Median: 71.88%
#75 of 1070 Top 6.9% in 100M-500M tier
105
Fee Income Per Member
profitability
Value: $255.76
Peer Median: $154.95
#105 of 1070 Top 9.7% in 100M-500M tier
107
Net Interest Margin (NIM)
profitability
Value: 4.50%
Peer Median: 3.62%
#107 of 1070 Top 9.9% in 100M-500M tier
123
Asset Growth Rate
growth
Value: 9.63%
Peer Median: 3.91%
#123 of 1070 Top 11.4% in 100M-500M tier
148
Total Delinquency Rate (60+ days)
risk
Value: 0.21%
Peer Median: 0.61%
#148 of 1070 Top 13.7% in 100M-500M tier
153
Share Certificate Concentration (%)
balance_sheet
Value: 12.15%
Peer Median: 23.10%
#153 of 1070 Top 14.2% in 100M-500M tier
154
Total Loans
balance_sheet
Value: $242.74M
Peer Median: $121.41M
#154 of 1070 Top 14.3% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available
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