BlastPoint's Credit Union Scorecard
TEAM FIRST
Charter #14829 · PA
TEAM FIRST has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
- + Loan Growth Rate: Top 1.0% in tier
- + AMR Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Efficiency ratio 26.38% above tier (higher cost structure)
- - Delinquency rate 1.75% above tier average
- - First Mortgage Concentration (%): Bottom 8.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
819
+2.1% YoY+0.9% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$8.1M
-1.8% YoY-8.0% QoQ
|
$-22.1M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$4.7M
+51.2% YoY+2.0% QoQ
|
$-10.8M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$7.0M
-1.0% YoY-9.0% QoQ
|
$-18.8M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.7%
-128.5% YoY-182.1% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
4.1%
+15.1% YoY+3.1% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
115.1%
-8.4% YoY+0.3% QoQ
|
+26.4% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.4% in tier |
| Delinquency Rate |
3.3%
+84.3% YoY+10.7% QoQ
|
+1.8 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.6% in tier |
| Loan To Share |
66.4%
+52.7% YoY+12.0% QoQ
|
+7.5% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$14,322
+12.4% YoY-5.7% QoQ
|
$-641 |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
7.8%
+37.0% YoY+7.9% QoQ
|
-16.7% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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)