BlastPoint's Credit Union Scorecard
FIRST COUNTY
Charter #14163 · IN
FIRST COUNTY has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + AMR Growth Rate: Top 5.2% in tier
- + Loan Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.1% YoY
- - Indirect Auto Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,208
-6.1% YoY-1.2% QoQ
|
+531 |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$34.4M
+4.2% YoY+3.7% QoQ
|
+$4.2M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$14.4M
+12.9% YoY-5.5% QoQ
|
$-907K |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$30.8M
+4.0% YoY+4.0% QoQ
|
+$5.0M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
0.6%
+17.1% YoY-4.1% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.6%
+1.0% YoY-4.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
86.8%
+1.3% YoY+5.2% QoQ
|
-3.9% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
0.8%
-9.6% YoY-19.0% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
46.6%
+8.5% YoY-9.1% QoQ
|
-11.9% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$14,090
+13.5% YoY+2.0% QoQ
|
$-794 |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
26.7%
+5.2% YoY-4.9% QoQ
|
+2.4% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % |
11.6%
-41.6% YoY-7.7% QoQ
|
-2.2% | 13.8% | 10.4% | 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)