BlastPoint's Credit Union Scorecard

U-1ST COMMUNITY

Charter #10580 · NM

2556 CUs in <100M nationally 21 in NM

U-1ST COMMUNITY has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.54% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.07% below tier average
- Efficiency ratio 1.70% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	864 -0.3% YoY0% QoQ	-1.8K	2,615 -1.9% YoY	30,637 +9.7% YoY	33,374 +5.7% YoY	25%
Assets	$9.5M +1.8% YoY-0.4% QoQ	$-20.7M	$30.1M +2.1% YoY	$552.5M +15.5% YoY	$561.6M +9.7% YoY	31%
Loans	$6.1M +2.0% YoY+2.7% QoQ	$-9.7M	$15.8M -1.3% YoY	$373.6M +15.3% YoY	$397.0M +8.8% YoY	38%
Deposits	$8.0M +1.2% YoY-0.7% QoQ	$-17.7M	$25.7M +1.4% YoY	$467.0M +13.7% YoY	$477.3M +9.7% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -46.5% YoY-38.2% QoQ	-0.1%	0.6% +10.8% YoY	0.9% +81.1% YoY	0.7% +15.9% YoY	42%
NIM	4.5% +0.5% YoY+3.9% QoQ	+0.5%	4.0% +4.0% YoY	3.9% +5.3% YoY	3.8% +5.1% YoY	73%
Efficiency Ratio	84.3% +2.2% YoY+2.7% QoQ	+1.7%	82.6% -2.3% YoY	74.2% -10.1% YoY	79.7% -3.3% YoY	62%
Delinquency Rate	0.3% -83.9% YoY-87.8% QoQ	-1.3	1.6% -3.1% YoY	1.0% -7.4% YoY	1.3% -2.1% YoY	29%
Loan To Share	76.3% +0.8% YoY+3.4% QoQ	+15.7%	60.6% -3.1% YoY	71.2% -0.7% YoY	67.4% -1.7% YoY	73%
AMR	$16,342 +1.9% YoY+0.8% QoQ	+$2K	$14,783 -1.4% YoY	$20,852 +6.0% YoY	$19,687 +2.0% YoY	63%
CD Concentration	18.3% -3.5% YoY+4.7% QoQ	-6.1%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.3%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

470

Fee Income Per Member

profitability

Value: $136.84

Peer Median: -

#470 of 2556 Top 18.3% in <100M tier

Top Weaknesses (1 metrics)

1926

Total Members

engagement

Value: 864

Peer Median: -

#1926 of 2556 Bottom 24.7% in <100M tier