BlastPoint's Credit Union Scorecard
CITY OF FIRSTS COMMUNITY
Charter #3012 · IN
CITY OF FIRSTS COMMUNITY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 10.20% above tier (higher cost structure)
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,567
-3.3% YoY-1.3% QoQ
|
+951 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$37.3M
+4.8% YoY+1.4% QoQ
|
+$7.2M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$10.9M
+0.7% YoY-2.1% QoQ
|
$-4.9M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$33.3M
+5.3% YoY+1.0% QoQ
|
+$7.6M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.1%
-88.9% YoY-159.3% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.9%
+4.0% YoY+1.0% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
92.8%
+20.4% YoY-2.5% QoQ
|
+10.2% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.2%
-70.4% YoY-31.0% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
32.6%
-4.3% YoY-3.1% QoQ
|
-28.0% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.2% in tier |
| AMR |
$12,367
+7.6% YoY+1.5% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
6.7%
+63.1% YoY+23.3% QoQ
|
-17.7% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)