BlastPoint's Credit Union Scorecard
UFIRST
Charter #20613 · NY
UFIRST has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 1.61% above tier average
- + Share Certificate Concentration (%): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 6.46% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits -9.7% year over year ($114M in shares and deposits).
- Membership: 10,604 members, +4.6% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.51%.
- Efficiency ratio 83.19% vs a 76.73% peer average.
- Loan-to-share ratio 90.52% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,604
+4.6% YoY+1.5% QoQ
|
-4.6K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$128.6M
-6.9% YoY+2.1% QoQ
|
$-103.4M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$102.8M
+6.5% YoY+3.0% QoQ
|
$-43.5M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$113.5M
-9.7% YoY+3.4% QoQ
|
$-87.2M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.5%
-57.8% YoY-291.5% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
5.3%
+14.9% YoY+5.2% QoQ
|
+1.6% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 1.7% in tier |
| Efficiency Ratio |
83.2%
+8.6% YoY-12.9% QoQ
|
+6.5% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.9%
-6.9% YoY+28.7% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
90.5%
+17.9% YoY-0.4% QoQ
|
+19.0% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 14.3% in tier |
| AMR |
$20,401
-6.9% YoY+1.7% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
4.7%
+18.6% YoY-7.8% QoQ
|
-19.9% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % |
36.9%
-9.0% YoY-1.0% QoQ
|
+23.3% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (6)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)