BlastPoint's Credit Union Scorecard
FAMILIES AND SCHOOLS TOGETHER
Charter #9109 · CA
FAMILIES AND SCHOOLS TOGETHER has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.4% in tier
- + Organic Growth Leader: Top 18.6% in tier
- + ROA 2.03% above tier average
- + Net Interest Margin 0.93% above tier average
- + Strong member growth: 5.2% YoY
- + Efficiency Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 3.5% in tier
- + Loan-to-Share Ratio: Top 4.4% in tier
- + Member Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.7% in tier
- - Credit Risk Growth: Bottom 20.7% in tier
- - Credit Quality Pressure: Bottom 47.7% in tier
- - Liquidity Overhang: Bottom 71.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,585
+5.2% YoY+0.4% QoQ
|
+3.1K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$316.7M
+8.5% YoY+2.2% QoQ
|
+$84.8M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$243.9M
+11.4% YoY+1.6% QoQ
|
+$96.6M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$251.0M
+3.9% YoY-1.2% QoQ
|
+$50.2M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
2.8%
+1.2% YoY-4.0% QoQ
|
+2.0% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Top 0.6% in tier |
| NIM |
4.5%
+2.4% YoY-0.6% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 8.5% in tier |
| Efficiency Ratio |
48.2%
+1.3% YoY+4.1% QoQ
|
-28.8% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
0.4%
+96.3% YoY+13.7% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
97.2%
+7.2% YoY+2.8% QoQ
|
+25.0% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 4.5% in tier |
| AMR |
$26,629
+2.1% YoY-0.2% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
11.8%
+14.7% YoY+1.6% QoQ
|
-12.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
2.7%
-25.8% YoY-0.8% QoQ
|
-11.1% | 13.8% | 9.2% | 7.8% | 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 (<20%). Healthy, sustainable growth model.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)