BlastPoint's Credit Union Scorecard

FIRST FAMILY

Charter #11057 · OK

1069 CUs in 100M-500M nationally 17 in OK

FIRST FAMILY has 7 strengths but faces 7 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 15.5% in tier
+ Organic Growth Leader: Top 20.9% in tier
+ Emerging Performer: Top 55.8% in tier
+ ROA 0.01% above tier average
+ Net Interest Margin 0.67% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 2.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 61.1% in tier
- Efficiency Drag: Bottom 72.1% in tier
- Credit Risk Growth: Bottom 80.0% in tier
- Shrinking Wallet Share: Bottom 83.1% in tier
- Efficiency ratio 4.14% above tier (higher cost structure)
- Delinquency rate 0.19% above tier average
- Average Member Relationship (AMR): Bottom 3.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	18,722 +4.8% YoY-0.4% QoQ	+3.3K	15,437 -2.9% YoY	27,482 +2.5% YoY	33,374 +5.7% YoY	72%
Assets	$147.3M +4.0% YoY+1.2% QoQ	$-84.6M	$231.9M +1.3% YoY	$405.9M +5.4% YoY	$561.6M +9.7% YoY	30%
Loans	$111.0M +3.1% YoY+2.8% QoQ	$-36.4M	$147.3M -0.1% YoY	$252.1M +2.0% YoY	$397.0M +8.8% YoY	42%
Deposits	$128.5M +4.0% YoY+0.6% QoQ	$-72.4M	$200.8M +0.8% YoY	$340.9M +4.8% YoY	$477.3M +9.7% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -3.2% YoY+16.7% QoQ	+0.0%	0.8% +18.2% YoY	0.5% +4.6% YoY	0.7% +15.9% YoY	52%
NIM	4.3% +4.3% YoY+0.4% QoQ	+0.7%	3.6% +6.7% YoY	3.9% +3.6% YoY	3.8% +5.1% YoY	85%
Efficiency Ratio	81.2% +2.3% YoY-1.2% QoQ	+4.1%	77.0% -3.1% YoY	81.1% +0.6% YoY	79.7% -3.3% YoY	64%
Delinquency Rate	1.1% +15.8% YoY+32.3% QoQ	+0.2	0.9% +4.2% YoY	1.2% +8.0% YoY	1.3% -2.1% YoY	73%
Loan To Share	86.4% -0.8% YoY+2.1% QoQ	+14.2%	72.2% -1.1% YoY	70.1% -2.3% YoY	67.4% -1.7% YoY	77%
AMR	$12,788 -1.2% YoY+2.0% QoQ	$-12K	$24,676 +3.4% YoY	$18,047 +3.6% YoY	$19,687 +2.0% YoY	Bottom 3.6% in tier
CD Concentration	34.5% +6.0% YoY+1.1% QoQ	+10.1%	24.4%	23.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.8%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#93 of 595 • Top 15.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.83%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.78%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#90 of 426 • Top 20.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.83%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#102 of 182 • Top 55.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.78%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 4.83%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#431 of 705 • Bottom 61.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#388 of 538 • Bottom 72.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.16%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 4.83%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Risk Growth

risk

#365 of 456 • Bottom 80.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.11%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Shrinking Wallet Share

decline

#173 of 208 • Bottom 83.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.18%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 1.76%

Peer Median: -

#28 of 1069 Top 2.5% in 100M-500M tier

111

Member Growth Rate

growth

Value: 4.83%

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

165

Net Interest Margin (NIM)

profitability

Value: 4.27%

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

243

Loan-to-Share Ratio

balance_sheet

Value: 86.39%

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1030

Average Member Relationship (AMR)

engagement

Value: $12,788

Peer Median: -

#1030 of 1069 Bottom 3.7% in 100M-500M tier

935

Loan-to-Member Ratio (LMR)

engagement

Value: $5,927

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier

927

AMR Growth Rate

growth

Value: -1.18%

Peer Median: -

#927 of 1069 Bottom 13.4% in 100M-500M tier

895

Share Certificate Concentration (%)

balance_sheet

Value: 34.49%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier

825

Members Per Employee (MPE)

engagement

Value: 260.028

Peer Median: -

#825 of 1069 Bottom 22.9% in 100M-500M tier