BlastPoint's Credit Union Scorecard
FOCUS FIRST
Charter #10220 · NY
2596 CUs in <100M nationally
188 in 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 1.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.73% below tier average
- - Efficiency ratio 92.65% above tier (higher cost structure)
- - Member decline: -6.0% YoY
- - Deposit Growth Rate: Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 1.7% in tier
- - AMR Growth Rate: Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
903
-6.0% YoY-5.4% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$10.9M
-15.7% YoY-1.4% QoQ
|
$-19.0M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$2.0M
-10.5% YoY-5.8% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$6.1M
-23.7% YoY-1.4% QoQ
|
$-19.3M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
27% |
| ROA |
-2.0%
-17.4% YoY+15.6% QoQ
|
-2.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.0% in tier |
| NIM |
2.9%
+39.0% YoY+7.1% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio |
174.0%
-17.5% YoY+0.6% QoQ
|
+92.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
0.6%
+305.6% YoY+1147.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
32.1%
+17.2% YoY-4.5% QoQ
|
-29.1% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.8% in tier |
| AMR |
$8,975
-15.8% YoY+3.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
32.6%
-30.2% YoY-9.9% QoQ
|
+8.2% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
42
Net Worth Ratio
risk
Value:
43.69%
Peer Avg: 16.43%
#42 of 2596
Top 1.6% in <100M tier
Top Weaknesses (14 metrics)
2563
Deposit Growth Rate
growth
Value:
-23.69%
Peer Avg: 16.80%
#2563 of 2596
Bottom 1.3% in <100M tier
2552
Efficiency Ratio
profitability
Value:
174.04%
Peer Avg: 81.39%
#2552 of 2596
Bottom 1.7% in <100M tier
2552
Asset Growth Rate
growth
Value:
-15.65%
Peer Avg: 1.82%
#2552 of 2596
Bottom 1.7% in <100M tier
2517
Return on Assets (ROA)
profitability
Value:
-2.04%
Peer Avg: 0.68%
#2517 of 2596
Bottom 3.1% in <100M tier
2512
AMR Growth Rate
growth
Value:
-15.78%
Peer Avg: 4.67%
#2512 of 2596
Bottom 3.3% in <100M tier
2286
Loan-to-Share Ratio
balance_sheet
Value:
32.10%
Peer Avg: 61.23%
#2286 of 2596
Bottom 12.0% in <100M tier
2266
Member Growth Rate
growth
Value:
-6.04%
Peer Avg: 14.92%
#2266 of 2596
Bottom 12.8% in <100M tier
2228
Share Certificate Concentration (%)
balance_sheet
Value:
32.59%
Peer Avg: 15.37%
#2228 of 2596
Bottom 14.2% in <100M tier
2217
Net Interest Margin (NIM)
profitability
Value:
2.88%
Peer Avg: 3.93%
#2217 of 2596
Bottom 14.6% in <100M tier
2211
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,181
Peer Avg: $5,488
#2211 of 2596
Bottom 14.9% in <100M tier