BlastPoint's Credit Union Scorecard
FIRSTLIGHT
Charter #10174 · TX
FIRSTLIGHT has 3 strengths but faces 5 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
- + Wallet Share Momentum: Top 17.5% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 36.0% in tier
- - Indirect Auto Dependency: Bottom 72.0% in tier
- - Membership Headwinds: Bottom 86.0% in tier
- - Stagnation Risk: Bottom 86.0% in tier
- - Net Charge-Off Rate: Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +2.2% year over year ($1.45B in shares and deposits).
- Membership: 97,419 members, -2.0% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.92%.
- Efficiency ratio 65.25% vs a 73.02% peer average.
- Loan-to-share ratio 92.81% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
97,419
-2.0% YoY-1.1% QoQ
|
+557 |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$1.6B
+2.8% YoY+0.4% QoQ
|
$-89.5M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$1.3B
+9.2% YoY+6.4% QoQ
|
+$108.4M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$1.4B
+2.2% YoY+0.0% QoQ
|
$-16.7M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
0.9%
-439.2% YoY+29.3% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
4.3%
-0.4% YoY+2.6% QoQ
|
+0.9% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 6.3% in tier |
| Efficiency Ratio |
65.2%
-11.0% YoY-3.2% QoQ
|
-7.8% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.5%
-3.0% YoY+2.5% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
92.8%
+6.9% YoY+6.4% QoQ
|
+8.1% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
69% |
| AMR |
$28,632
+7.6% YoY+4.1% QoQ
|
$-944 |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
29.9%
-0.7% YoY+3.8% QoQ
|
+0.8% | 29.1% | 21.6% | 20.0% | 55% |
| Indirect Auto % |
15.7%
-28.2% YoY-11.0% QoQ
|
-2.4% | 18.1% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)