BlastPoint's Credit Union Scorecard
TEAM FIRST
Charter #14829 · PA
TEAM FIRST has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 1.1% in tier
- + AMR Growth Rate: Top 3.2% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 2.27% below tier average
- - Efficiency ratio 42.72% above tier (higher cost structure)
- - Delinquency rate 2.81% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
- - First Mortgage Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
813
+0.6% YoY+0.2% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$9.0M
+6.6% YoY-2.1% QoQ
|
$-21.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$4.6M
+39.9% YoY+9.8% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$7.9M
+9.8% YoY-2.2% QoQ
|
$-17.8M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
-1.6%
-15.3% YoY-16.4% QoQ
|
-2.3% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.8% in tier |
| NIM |
3.5%
-0.2% YoY-0.5% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
125.3%
-9.8% YoY-1.9% QoQ
|
+42.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
4.4%
+909.0% YoY+25.9% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.5% in tier |
| Loan To Share |
58.5%
+27.4% YoY+12.4% QoQ
|
-2.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$15,417
+18.6% YoY+1.7% QoQ
|
+$634 |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
14.4%
+165.6% YoY+4.0% QoQ
|
-10.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)