BlastPoint's Credit Union Scorecard

FRIENDS AND FAMILY CREDIT UNION INC

Charter #96750 · OH

100M-500M

1069 CUs in 100M-500M nationally 58 in OH

FRIENDS AND FAMILY CREDIT UNION INC has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Charge-Off Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 14.57% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	9,699 -2.5% YoY-0.8% QoQ	-5.7K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	30%
Assets	$108.9M +1.5% YoY+0.6% QoQ	$-123.0M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	Bottom 6.1% in tier
Loans	$76.0M -2.5% YoY-1.1% QoQ	$-71.3M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	20%
Deposits	$99.6M +1.2% YoY+0.6% QoQ	$-101.2M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	Bottom 10.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -16.1% YoY+7.9% QoQ	-0.5%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	17%
NIM	3.3% -3.0% YoY+0.4% QoQ	-0.3%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	32%
Efficiency Ratio	91.6% +0.2% YoY-0.6% QoQ	+14.6%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	Bottom 7.4% in tier
Delinquency Rate	0.5% +92.8% YoY+91.5% QoQ	-0.4	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	29%
Loan To Share	76.3% -3.6% YoY-1.6% QoQ	+4.1%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	54%
AMR	$18,109 +2.1% YoY+0.6% QoQ	$-7K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	22%
CD Concentration	23.8% +4.0% YoY+1.1% QoQ	-0.6%	24.4%	19.4%	19.8%	50%
Indirect Auto %	35.9% -2.8% YoY+0.0% QoQ	+22.2%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#38 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.58%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.05% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY

Indirect Auto Dependency

risk

#227 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.45%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 35.94%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#333 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#287 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.48%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.46%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#296 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#219 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $108.89M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.48%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (1 metrics)

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: -

#86 of 1069 Top 8.0% in 100M-500M tier

Top Weaknesses (13 metrics)

1024

Net Worth Ratio

risk

Value: 8.14%

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

1004

Total Assets

balance_sheet

Value: $108.89M

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

991

Efficiency Ratio

profitability

Value: 91.58%

Peer Median: -

#991 of 1069 Bottom 7.4% in 100M-500M tier

961

Total Deposits

balance_sheet

Value: $99.62M

Peer Median: -

#961 of 1069 Bottom 10.2% in 100M-500M tier

958

Indirect Auto Concentration (%)

balance_sheet

Value: 35.94%

Peer Median: -

#958 of 1069 Bottom 10.5% in 100M-500M tier

888

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: -

#888 of 1069 Bottom 17.0% in 100M-500M tier

859

Total Loans

balance_sheet

Value: $76.02M

Peer Median: -

#859 of 1069 Bottom 19.7% in 100M-500M tier

847

Loan Growth Rate

growth

Value: -2.48%

Peer Median: -

#847 of 1069 Bottom 20.9% in 100M-500M tier

840

Fee Income Per Member

profitability

Value: $113.33

Peer Median: -

#840 of 1069 Bottom 21.5% in 100M-500M tier

835

Average Member Relationship (AMR)

engagement

Value: $18,109

Peer Median: -

#835 of 1069 Bottom 22.0% in 100M-500M tier