BlastPoint's Credit Union Scorecard

FIRST COUNTY

Charter #14163 · IN

2596 CUs in <100M nationally 82 in IN

FIRST COUNTY faces 4 concerns requiring attention

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.14% below tier average
- Efficiency ratio 0.84% above tier (higher cost structure)
- Delinquency rate 0.13% above tier average
- Indirect Auto Concentration (%): Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	3,304 -0.2% YoY-1.9% QoQ	+678	2,625 -2.2% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	71%
Assets	$32.7M +3.1% YoY-2.0% QoQ	+$2.8M	$29.9M +1.1% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	62%
Loans	$12.9M -4.3% YoY+0.5% QoQ	$-2.8M	$15.8M -2.4% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	57%
Deposits	$29.2M +2.8% YoY-2.5% QoQ	+$3.7M	$25.5M +0.4% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -18.0% YoY+4.7% QoQ	-0.1%	0.7% -731.4% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	39%
NIM	3.7% +7.5% YoY+2.3% QoQ	-0.3%	3.9% +3.8% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	40%
Efficiency Ratio	82.2% -0.7% YoY-1.0% QoQ	+0.8%	81.4% -2.4% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	60%
Delinquency Rate	1.6% +62.2% YoY-19.5% QoQ	+0.1	1.5% -2.0% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	74%
Loan To Share	44.3% -6.9% YoY+3.0% QoQ	-16.9%	61.2% -3.0% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	24%
AMR	$12,753 +0.7% YoY+0.3% QoQ	$-2K	$14,627 -2.7% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	44%
CD Concentration	27.8% +9.6% YoY+6.4% QoQ	+3.3%	24.4% +4.2% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.2% -15.0% YoY-8.0% QoQ	+3.2%	14.0% -5.7% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2420

Indirect Auto Concentration (%)

balance_sheet

Value: 17.17%

Peer Avg: -

#2420 of 2596 Bottom 6.8% in <100M tier

2079

Share Certificate Concentration (%)

balance_sheet

Value: 27.76%

Peer Avg: -

#2079 of 2596 Bottom 20.0% in <100M tier

2073

Net Worth Ratio

risk

Value: 10.42%

Peer Avg: -

#2073 of 2596 Bottom 20.2% in <100M tier

1967

Loan-to-Share Ratio

balance_sheet

Value: 44.33%

Peer Avg: -

#1967 of 2596 Bottom 24.3% in <100M tier