BlastPoint's Credit Union Scorecard

UFIRST

Charter #20613 · NY

1077 CUs in 100M-500M nationally 52 in NY

UFIRST has 6 strengths but faces 9 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

+ Organic Growth Engine: Top 16.8% in tier
+ Profitability Leader: Top 49.0% in tier
+ Emerging Performer: Top 51.6% in tier
+ ROA 0.68% above tier average
+ Net Interest Margin 1.30% above tier average
+ Share Certificate Concentration (%): Top 4.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.4% in tier
- Shrinking Wallet Share: Bottom 7.4% in tier
- Capital Constraint: Bottom 19.5% in tier
- Indirect Auto Dependency: Bottom 25.0% in tier
- Deposit Outflow: Bottom 67.5% in tier
- AMR Growth Rate: Bottom 5.3% in tier
- Deposit Growth Rate: Bottom 6.4% in tier
- Asset Growth Rate: Bottom 6.8% in tier
- Indirect Auto Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	10,253 +2.0% YoY+1.1% QoQ	-5.4K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	31%
Assets	$127.5M -3.1% YoY-7.7% QoQ	$-103.8M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	19%
Loans	$98.9M -2.0% YoY+2.5% QoQ	$-48.9M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	34%
Deposits	$114.5M -3.0% YoY-8.9% QoQ	$-85.8M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	21%

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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	1.5% +55.1% YoY+20.9% QoQ	+0.7%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Top 13.3% in tier
NIM	4.9% +15.8% YoY+5.8% QoQ	+1.3%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Top 3.9% in tier
Efficiency Ratio	73.7% -8.2% YoY-3.8% QoQ	-3.6%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	36%
Delinquency Rate	0.8% +134.9% YoY-19.1% QoQ	-0.1	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	60%
Loan To Share	86.4% +1.1% YoY+12.5% QoQ	+13.7%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	78%
AMR	$20,817 -4.4% YoY-5.0% QoQ	$-4K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	41%
CD Concentration	4.7% +47.6% YoY+19.2% QoQ	-19.7%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	38.3% -4.8% YoY-5.6% QoQ	+24.3%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#309 of 603 • Top 16.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.96%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.46%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 38.26%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth

#167 of 340 • Top 49.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.46%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.52% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Emerging Performer

growth

#99 of 191 • Top 51.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.46%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.96%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Concerns (5)

Credit Quality Pressure

risk

#159 of 736 • Bottom 6.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.46% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#75 of 244 • Bottom 7.4% in tier

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

Why This Signature

AMR Growth (YoY): -4.42%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Capital Constraint

risk

#18 of 18 • Bottom 19.5% 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: 86.35%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -3.04%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 15.10%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

18 of 1077 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#403 of 525 • Bottom 25.0% in tier

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

Why This Signature

Asset Growth (YoY): -3.06%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 38.26%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.96%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Deposit Outflow

decline

#55 of 81 • Bottom 67.5% 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): -3.04%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.96%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.88%

Peer Avg: -

#42 of 1077 Top 3.8% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 4.69%

Peer Avg: -

#47 of 1077 Top 4.3% in 100M-500M tier

143

Return on Assets (ROA)

profitability

Value: 1.46%

Peer Avg: -

#143 of 1077 Top 13.2% in 100M-500M tier

164

Net Worth Ratio

risk

Value: 15.10%

Peer Avg: -

#164 of 1077 Top 15.1% in 100M-500M tier

239

Loan-to-Share Ratio

balance_sheet

Value: 86.35%

Peer Avg: -

#239 of 1077 Top 22.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1021

AMR Growth Rate

growth

Value: -4.42%

Peer Avg: -

#1021 of 1077 Bottom 5.3% in 100M-500M tier

1009

Deposit Growth Rate

growth

Value: -3.04%

Peer Avg: -

#1009 of 1077 Bottom 6.4% in 100M-500M tier

1005

Asset Growth Rate

growth

Value: -3.06%

Peer Avg: -

#1005 of 1077 Bottom 6.8% in 100M-500M tier

975

Indirect Auto Concentration (%)

balance_sheet

Value: 38.26%

Peer Avg: -

#975 of 1077 Bottom 9.6% in 100M-500M tier

873

Total Assets

balance_sheet

Value: $127.48M

Peer Avg: -

#873 of 1077 Bottom 19.0% in 100M-500M tier

851

Total Deposits

balance_sheet

Value: $114.53M

Peer Avg: -

#851 of 1077 Bottom 21.1% in 100M-500M tier