BlastPoint's Credit Union Scorecard
FIRST EAGLE
Charter #10958 · MD
FIRST EAGLE has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Total Assets: Bottom 6.6% in tier
- - Deposit Growth Rate: Bottom 7.2% in tier
- - Total Deposits: Bottom 7.5% in tier
- - Fee Income Per Member: Bottom 8.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
- Shares and deposits -3.0% year over year ($95.0M in shares and deposits).
- Membership: 8,200 members, -0.1% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 1.04%.
- Efficiency ratio 72.50% vs a 76.73% peer average.
- Loan-to-share ratio 71.00% vs a 71.54% 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 (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,200
-0.1% YoY+0.2% QoQ
|
-7.0K |
15,168
-2.6% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$109.5M
-1.4% YoY-1.8% QoQ
|
$-122.5M |
$232.0M
+0.7% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.5% in tier |
| Loans |
$67.4M
+6.4% YoY+1.0% QoQ
|
$-78.8M |
$146.3M
+0.2% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.9% in tier |
| Deposits |
$95.0M
-3.0% YoY-2.3% QoQ
|
$-105.7M |
$200.7M
+0.2% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.4% in tier |
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| ROA |
1.0%
+11.6% YoY+13.3% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
4.1%
+12.7% YoY+3.8% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
72.5%
-2.2% YoY-6.1% QoQ
|
-4.2% |
76.7%
-0.8% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
0.7%
+7.9% YoY+55.5% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
71.0%
+9.7% YoY+3.5% QoQ
|
-0.5% |
71.5%
-0.3% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$19,806
+0.8% YoY-1.2% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
24.4%
+0.4% YoY+5.1% QoQ
|
-0.2% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)