BlastPoint's Credit Union Scorecard
FIRST SERVICE
Charter #11170 · OH
FIRST SERVICE has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Total Delinquency Rate (60+ days): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 1.22% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,699
-0.5% YoY+0.7% QoQ
|
-446 |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$232.8M
+5.0% YoY+1.0% QoQ
|
+$1.1M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$152.5M
+8.4% YoY+3.3% QoQ
|
+$8.3M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$207.7M
+4.9% YoY+1.4% QoQ
|
+$6.6M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
61% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+1.9% YoY-7.0% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
3.5%
+15.6% YoY+6.8% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
79.2%
+2.0% YoY+4.3% QoQ
|
+1.2% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.1%
-45.7% YoY-50.5% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Top 9.0% in tier |
| Loan To Share |
73.4%
+3.3% YoY+1.9% QoQ
|
+3.0% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$24,502
+6.8% YoY+1.5% QoQ
|
$-417 |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
18.6%
+0.2% YoY-0.9% QoQ
|
-5.7% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
25.6%
+26.9% YoY+4.7% QoQ
|
+11.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)