BlastPoint's Credit Union Scorecard
FIRSTLIGHT
Charter #10174 · TX
FIRSTLIGHT has 1 strength but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.83% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 66.8% in tier
- - Stagnation Risk: Bottom 81.3% in tier
- - Membership Headwinds: Bottom 81.3% in tier
- - Net Charge-Off Rate: Bottom 1.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98,481
-1.4% YoY-0.0% QoQ
|
+2.4K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$1.6B
+3.4% YoY+2.1% QoQ
|
$-91.8M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$1.3B
-0.4% YoY+3.1% QoQ
|
+$47.8M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$1.4B
+3.3% YoY+2.0% QoQ
|
$-19.5M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-181.3% YoY+177.2% QoQ
|
+0.0% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
4.2%
-0.4% YoY-3.3% QoQ
|
+0.8% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
67.4%
-26.5% YoY-1.4% QoQ
|
-7.3% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.5%
-11.4% YoY-14.9% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
87.2%
-3.6% YoY+1.0% QoQ
|
+4.1% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$27,492
+2.9% YoY+2.5% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
28.8%
-1.0% YoY-3.1% QoQ
|
-0.1% | 28.8% | 21.3% | 19.8% | 51% |
| Indirect Auto % |
17.7%
-23.6% YoY-7.9% QoQ
|
-0.4% | 18.1% | 6.9% | 7.7% | 55% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)