BlastPoint's Credit Union Scorecard
TEAM FIRST
Charter #14829 · PA
TEAM FIRST has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 1.2% in tier
- + AMR Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Efficiency ratio 24.17% above tier (higher cost structure)
- - Delinquency rate 1.47% above tier average
- - First Mortgage Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
812
+0.4% YoY-0.1% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$8.9M
+4.9% YoY-2.0% QoQ
|
$-21.3M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$4.6M
+42.1% YoY-0.7% QoQ
|
$-10.7M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$7.7M
+5.8% YoY-2.1% QoQ
|
$-18.0M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
-0.9%
-87.3% YoY-47.4% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.1% in tier |
| NIM |
3.9%
+15.9% YoY+14.4% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
114.8%
-8.7% YoY-8.4% QoQ
|
+24.2% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.4% in tier |
| Delinquency Rate |
3.0%
+517.9% YoY-31.8% QoQ
|
+1.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.7% in tier |
| Loan To Share |
59.3%
+34.4% YoY+1.4% QoQ
|
+0.8% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$15,192
+16.5% YoY-1.5% QoQ
|
+$308 |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
7.2%
+31.4% YoY-49.7% QoQ
|
-17.0% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)