BlastPoint's Credit Union Scorecard
FOCUS FIRST
Charter #10220 · NY
FOCUS FIRST has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 17.12% below tier average
- - Member decline: -6.7% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
898
-6.7% YoY-0.6% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$10.1M
-18.3% YoY-7.0% QoQ
|
$-20.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$2.0M
-6.1% YoY+0.5% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$6.9M
-7.1% YoY+13.0% QoQ
|
$-18.8M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
-16.5%
+969.1% YoY+707.7% QoQ
|
-17.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.2% in tier |
| NIM |
-4.7%
-314.8% YoY-263.1% QoQ
|
-8.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio | - | - |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
- |
| Delinquency Rate |
0.1%
-87.6% YoY-91.0% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
28.5%
+1.1% YoY-11.1% QoQ
|
-32.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.0% in tier |
| AMR |
$9,924
-0.3% YoY+10.6% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
34.8%
-21.9% YoY+6.7% QoQ
|
+10.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)