BlastPoint's Credit Union Scorecard

FIRST WATCH

Charter #13290 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

FIRST WATCH has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 0.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.50% below tier average
- Efficiency ratio 15.68% above tier (higher cost structure)
- Member decline: -2.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	9,348 -2.5% YoY-0.3% QoQ	-5.8K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	27%
Assets	$105.5M +6.0% YoY+5.0% QoQ	$-126.2M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 4.2% in tier
Loans	$66.7M -2.2% YoY-3.0% QoQ	$-77.5M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Bottom 14.7% in tier
Deposits	$95.5M +6.5% YoY+5.4% QoQ	$-105.7M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 7.4% in tier

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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	0.2% +154.7% YoY+107.5% QoQ	-0.5%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	18%
NIM	3.3% -0.7% YoY-4.6% QoQ	-0.3%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	93.7% -6.3% YoY-3.2% QoQ	+15.7%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 8.6% in tier
Delinquency Rate	0.0%	-0.8	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	69.8% -8.1% YoY-8.0% QoQ	-0.6%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	46%
AMR	$17,347 +5.3% YoY+2.1% QoQ	$-8K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	18%
CD Concentration	15.9% +12.2% YoY+4.6% QoQ	-8.4%	24.3%	21.3%	19.8%	50%
Indirect Auto %	41.7% +1.1% YoY-2.1% QoQ	+27.9%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#451 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.34%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#32 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.98%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 41.67%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Efficiency Drag

risk

#76 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 93.71%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Membership Headwinds

decline

#305 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#369 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.00%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#233 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $105.52M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -2.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.61%

#1 of 1070 Top 0.1% in 100M-500M tier

208

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: 0.35%

#208 of 1070 Top 19.3% in 100M-500M tier

230

First Mortgage Concentration (%)

balance_sheet

Value: 15.30%

Peer Median: 29.47%

#230 of 1070 Top 21.4% in 100M-500M tier

268

Share Certificate Concentration (%)

balance_sheet

Value: 15.88%

Peer Median: 23.10%

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (11 metrics)

1025

Total Assets

balance_sheet

Value: $105.52M

Peer Median: $196.57M

#1025 of 1070 Bottom 4.3% in 100M-500M tier

993

Indirect Auto Concentration (%)

balance_sheet

Value: 41.67%

Peer Median: 6.61%

#993 of 1070 Bottom 7.3% in 100M-500M tier

991

Total Deposits

balance_sheet

Value: $95.48M

Peer Median: $171.29M

#991 of 1070 Bottom 7.5% in 100M-500M tier

979

Efficiency Ratio

profitability

Value: 93.71%

Peer Median: 78.68%

#979 of 1070 Bottom 8.6% in 100M-500M tier

913

Total Loans

balance_sheet

Value: $66.67M

Peer Median: $121.41M

#913 of 1070 Bottom 14.8% in 100M-500M tier

888

Net Worth Ratio

risk

Value: 9.22%

Peer Median: 11.45%

#888 of 1070 Bottom 17.1% in 100M-500M tier

877

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: 0.69%

#877 of 1070 Bottom 18.1% in 100M-500M tier

875

Average Member Relationship (AMR)

engagement

Value: $17,347

Peer Median: $22,931

#875 of 1070 Bottom 18.3% in 100M-500M tier

840

Loan Growth Rate

growth

Value: -2.16%

Peer Median: 2.93%

#840 of 1070 Bottom 21.6% in 100M-500M tier

819

Member Growth Rate

growth

Value: -2.46%

Peer Median: -0.06%

#819 of 1070 Bottom 23.6% in 100M-500M tier