BlastPoint's Credit Union Scorecard

FIRST COMMONWEALTH

Charter #12765 · PA

Mid-Market 1B-3B

First Commonwealth at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

First Commonwealth is one of 101 credit unions in the 2026 VentureTech card set. We also found First Commonwealth's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

First Commonwealth

Turn your sound on

Tap a card to see it up close

FIRST COMMONWEALTH
PEER · AT VENTURETECH
PEER · AT VENTURETECH
FIRST COMMONWEALTH'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 9 in PA

View Mid-Market leaderboard →

FIRST COMMONWEALTH has 1 strength but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.68% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.3% in tier
- Credit Risk Growth: Bottom 63.7% in tier
- ROA 0.14% below tier average
- Delinquency rate 0.67% above tier average
- Total Delinquency Rate (60+ days): Bottom 10.0% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	98,474 +3.5% YoY+0.1% QoQ	+1.6K	96,861 -1.9% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	60%
Assets	$1.5B +3.6% YoY-0.9% QoQ	$-255.9M	$1.7B +0.4% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	43%
Loans	$1.1B +3.7% YoY+1.9% QoQ	$-101.5M	$1.2B +0.7% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	49%
Deposits	$1.3B +3.1% YoY-1.2% QoQ	$-147.7M	$1.5B +0.5% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	51%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.7% +1.6% YoY+16.7% QoQ	-0.1%	0.8% +27.6% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	40%
NIM	4.1% +7.7% YoY+3.5% QoQ	+0.7%	3.4% +6.6% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	Top 9.7% in tier
Efficiency Ratio	72.6% +1.5% YoY-1.2% QoQ	-0.4%	73.0% -2.7% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	45%
Delinquency Rate	1.5% +18.5% YoY+49.8% QoQ	+0.7	0.9% +7.3% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	Bottom 10.0% in tier
Loan To Share	86.1% +0.6% YoY+3.2% QoQ	+1.4%	84.7% +0.1% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	48%
AMR	$24,863 -0.1% YoY+0.1% QoQ	$-5K	$29,575 +1.5% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	29%
CD Concentration	29.8% +2.4% YoY+0.2% QoQ	+0.7%	29.1%	15.6%	20.0%	54%
Indirect Auto %	8.6% -24.1% YoY-3.5% QoQ	-9.5%	18.1%	8.4%	7.7%	34%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#58 of 112 • Top 34.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.52%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 8.55%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#84 of 113 • Top 34.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.52%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.68%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 8.55%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Emerging Performer

growth

#65 of 82 • Top 62.9% 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: 0.68%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 3.52%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#68 of 215 • Bottom 18.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Credit Risk Growth

risk

#95 of 170 • Bottom 63.7% in tier

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

Why This Signature

Loan Growth (YoY): 3.75%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 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 300 peers in tier

Top Strengths (2 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.10%

Peer Median: 3.46%

#29 of 300 Top 9.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 406.917

Peer Median: 346.173

#68 of 300 Top 22.3% in 1B-3B tier

Top Weaknesses (2 metrics)

271

Total Delinquency Rate (60+ days)

risk

Value: 1.53%

Peer Median: 0.70%

#271 of 300 Bottom 10.0% in 1B-3B tier

236

AMR Growth Rate

growth

Value: -0.11%

Peer Median: 3.19%

#236 of 300 Bottom 21.7% in 1B-3B tier