BlastPoint's Credit Union Scorecard
TEAM FIRST
Charter #14829 · PA
TEAM FIRST has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.5% in tier
- + AMR Growth Rate: Top 2.7% in tier
- + Deposit Growth Rate: Top 3.3% in tier
- + Asset Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.65% below tier average
- - Efficiency ratio 46.29% above tier (higher cost structure)
- - Delinquency rate 1.96% above tier average
- - Members Per Employee (MPE): Bottom 7.1% in tier
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
811
+0.1% YoY+1.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$9.2M
+10.7% YoY+11.3% QoQ
|
$-20.6M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$4.2M
+26.0% YoY+36.0% QoQ
|
$-11.6M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$8.1M
+16.1% YoY+13.6% QoQ
|
$-17.4M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
-2.0%
+69.8% YoY-21.1% QoQ
|
-2.7% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.1% in tier |
| NIM |
3.5%
+3.0% YoY-1.9% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
127.7%
-0.5% YoY+1.6% QoQ
|
+46.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 3.5% in tier |
| Delinquency Rate |
3.5%
+27.2% YoY+93.9% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 10.1% in tier |
| Loan To Share |
52.1%
+8.5% YoY+19.7% QoQ
|
-9.2% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$15,166
+19.2% YoY+19.0% QoQ
|
+$539 |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
13.8%
+143.4% YoY+142.8% QoQ
|
-10.6% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)