BlastPoint's Credit Union Scorecard

FRIENDS AND FAMILY CREDIT UNION INC

Charter #96750 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 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 Interest Margin 0.60% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 16.31% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	9,616 -2.6% YoY-0.9% QoQ	-5.5K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	30%
Assets	$110.0M +0.0% YoY+1.0% QoQ	$-121.7M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Bottom 7.2% in tier
Loans	$73.8M -4.8% YoY-2.9% QoQ	$-70.3M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	20%
Deposits	$100.8M -0.3% YoY+1.2% QoQ	$-100.3M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Bottom 10.8% 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	0.2% -35.9% YoY-29.3% QoQ	-0.5%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	16%
NIM	4.2% +0.1% YoY+28.6% QoQ	+0.6%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	83%
Efficiency Ratio	94.3% +1.3% YoY+3.0% QoQ	+16.3%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Bottom 6.6% in tier
Delinquency Rate	0.3% +75.4% YoY-25.0% QoQ	-0.4	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	26%
Loan To Share	73.2% -4.5% YoY-4.0% QoQ	+2.8%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	52%
AMR	$18,163 +0.4% YoY+0.3% QoQ	$-7K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	21%
CD Concentration	24.2% +6.6% YoY+1.5% QoQ	-0.1%	24.3%	19.4%	19.8%	50%
Indirect Auto %	35.0% -4.9% YoY-2.7% QoQ	+21.2%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#60 of 596 • 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: 94.33%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -2.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Stagnation Risk

risk

#226 of 570 • 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): -2.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.77%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.35%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#293 of 570 • 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): -2.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#264 of 504 • 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): 0.00%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 34.99%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#408 of 727 • 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): 0.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Institutional Decline

decline

#186 of 250 • 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: $110.01M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -2.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.77%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 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 1070 peers in tier

Top Strengths (1 metrics)

179

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Median: 3.62%

#179 of 1070 Top 16.6% in 100M-500M tier

Top Weaknesses (13 metrics)

1028

Net Worth Ratio

risk

Value: 8.10%

Peer Median: 11.45%

#1028 of 1070 Bottom 4.0% in 100M-500M tier

1000

Efficiency Ratio

profitability

Value: 94.33%

Peer Median: 78.68%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

993

Total Assets

balance_sheet

Value: $110.01M

Peer Median: $196.57M

#993 of 1070 Bottom 7.3% in 100M-500M tier

954

Total Deposits

balance_sheet

Value: $100.82M

Peer Median: $171.29M

#954 of 1070 Bottom 10.9% in 100M-500M tier

950

Indirect Auto Concentration (%)

balance_sheet

Value: 34.99%

Peer Median: 6.61%

#950 of 1070 Bottom 11.3% in 100M-500M tier

948

Loan Growth Rate

growth

Value: -4.77%

Peer Median: 2.93%

#948 of 1070 Bottom 11.5% in 100M-500M tier

896

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: 0.69%

#896 of 1070 Bottom 16.4% in 100M-500M tier

880

Asset Growth Rate

growth

Value: 0.00%

Peer Median: 3.91%

#880 of 1070 Bottom 17.9% in 100M-500M tier

876

Deposit Growth Rate

growth

Value: -0.30%

Peer Median: 3.30%

#876 of 1070 Bottom 18.2% in 100M-500M tier

853

Total Loans

balance_sheet

Value: $73.84M

Peer Median: $121.41M

#853 of 1070 Bottom 20.4% in 100M-500M tier