BlastPoint's Credit Union Scorecard
FIRST COUNTY
Charter #14163 · IN
FIRST COUNTY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 0.40% above tier (higher cost structure)
- - Member decline: -6.2% YoY
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits +4.6% year over year ($31.3M in shares and deposits).
- Membership: 3,160 members, -6.2% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.53%.
- Efficiency ratio 89.17% vs a 88.77% peer average.
- Loan-to-share ratio 43.10% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,160
-6.2% YoY-1.5% QoQ
|
+574 |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$35.0M
+4.8% YoY+1.5% QoQ
|
+$4.7M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$13.5M
+4.8% YoY-6.1% QoQ
|
$-2.0M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$31.3M
+4.6% YoY+1.6% QoQ
|
+$5.5M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.5%
+0.8% YoY-9.2% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
3.6%
+0.8% YoY+0.5% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
89.2%
+7.3% YoY+2.8% QoQ
|
+0.4% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.9%
-53.7% YoY+19.9% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
43.1%
+0.2% YoY-7.6% QoQ
|
-15.8% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$14,187
+11.6% YoY+0.7% QoQ
|
$-776 |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
27.4%
+5.0% YoY+2.5% QoQ
|
+2.8% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
11.2%
-40.0% YoY-3.6% QoQ
|
-2.4% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)