BlastPoint's Credit Union Scorecard

UFIRST

Charter #20613 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

UFIRST has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.40% above tier average
+ Share Certificate Concentration (%): Top 4.6% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.99% below tier average
- Efficiency ratio 17.51% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	10,445 +3.4% YoY+0.7% QoQ	-4.7K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	35%
Assets	$125.9M -9.1% YoY-3.2% QoQ	$-105.8M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	17%
Loans	$99.8M +0.5% YoY-1.9% QoQ	$-44.4M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	36%
Deposits	$109.8M -11.9% YoY-5.6% QoQ	$-91.3M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	17%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3% -136.5% YoY-119.5% QoQ	-1.0%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 4.4% in tier
NIM	5.0% +8.1% YoY-1.5% QoQ	+1.4%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Top 2.5% in tier
Efficiency Ratio	95.5% +16.3% YoY+29.8% QoQ	+17.5%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 5.2% in tier
Delinquency Rate	0.7% -18.1% YoY-13.8% QoQ	-0.1	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	58%
Loan To Share	90.9% +14.1% YoY+3.9% QoQ	+20.4%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Top 10.7% in tier
AMR	$20,069 -9.4% YoY-4.6% QoQ	$-5K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	32%
CD Concentration	5.1% +55.2% YoY+21.2% QoQ	-19.2%	24.3%	16.4%	19.8%	50%
Indirect Auto %	37.3% -8.7% YoY+0.8% QoQ	+23.5%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Capital Constraint

risk

#2 of 16 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 90.87%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -11.90%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 15.41%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

Shrinking Wallet Share

decline

#25 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -9.42%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Deposit Outflow

decline

#18 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -11.90%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 3.35%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Efficiency Drag

risk

#303 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 95.53%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.00% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.35%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#430 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -9.12%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 37.25%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.35%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Strain

risk

#179 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.87%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.54%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.04%

Peer Median: 3.62%

#27 of 1070 Top 2.4% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 5.05%

Peer Median: 23.10%

#50 of 1070 Top 4.6% in 100M-500M tier

114

Loan-to-Share Ratio

balance_sheet

Value: 90.87%

Peer Median: 71.88%

#114 of 1070 Top 10.6% in 100M-500M tier

137

Net Worth Ratio

risk

Value: 15.41%

Peer Median: 11.45%

#137 of 1070 Top 12.7% in 100M-500M tier

191

Member Growth Rate

growth

Value: 3.35%

Peer Median: -0.06%

#191 of 1070 Top 17.8% in 100M-500M tier

266

First Mortgage Concentration (%)

balance_sheet

Value: 17.26%

Peer Median: 29.47%

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1064

Deposit Growth Rate

growth

Value: -11.90%

Peer Median: 3.30%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1061

Asset Growth Rate

growth

Value: -9.12%

Peer Median: 3.91%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1047

AMR Growth Rate

growth

Value: -9.42%

Peer Median: 3.46%

#1047 of 1070 Bottom 2.2% in 100M-500M tier

1023

Return on Assets (ROA)

profitability

Value: -0.27%

Peer Median: 0.69%

#1023 of 1070 Bottom 4.5% in 100M-500M tier

1015

Efficiency Ratio

profitability

Value: 95.53%

Peer Median: 78.68%

#1015 of 1070 Bottom 5.2% in 100M-500M tier

967

Indirect Auto Concentration (%)

balance_sheet

Value: 37.25%

Peer Median: 6.61%

#967 of 1070 Bottom 9.7% in 100M-500M tier

889

Total Assets

balance_sheet

Value: $125.92M

Peer Median: $196.57M

#889 of 1070 Bottom 17.0% in 100M-500M tier

887

Total Deposits

balance_sheet

Value: $109.82M

Peer Median: $171.29M

#887 of 1070 Bottom 17.2% in 100M-500M tier