BlastPoint's Credit Union Scorecard
FIRSTLIGHT
Charter #10174 · TX
FIRSTLIGHT has 1 strength but faces 7 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.05% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 47.6% in tier
- - Institutional Decline: Bottom 58.6% in tier
- - Membership Headwinds: Bottom 65.5% in tier
- - Indirect Auto Dependency: Bottom 91.3% in tier
- - ROA 0.43% below tier average
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Loan Growth Rate: Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98,504
-1.7% YoY-0.8% QoQ
|
+1.1K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$1.6B
-0.5% YoY+0.1% QoQ
|
$-128.9M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$1.2B
-6.5% YoY+2.1% QoQ
|
$-10.3M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$1.4B
+5.2% YoY+0.2% QoQ
|
$-42.3M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.3%
-25.0% YoY+89.8% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.2% in tier |
| NIM |
4.3%
+9.0% YoY+0.1% QoQ
|
+1.1% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
68.3%
-2.8% YoY-2.9% QoQ
|
-5.7% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.5%
-4.8% YoY-5.5% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
86.4%
-11.1% YoY+1.9% QoQ
|
+1.6% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$26,813
+1.1% YoY+1.9% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
29.7%
+2.6% YoY-1.7% QoQ
|
+0.7% | 29.0% | 21.2% | 19.8% | 54% |
| Indirect Auto % |
19.2%
-20.8% YoY-8.6% QoQ
|
+0.9% | 18.3% | 7.1% | 7.8% | 57% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)