BlastPoint's Credit Union Scorecard

UFIRST

Charter #20613 · NY

1069 CUs in 100M-500M nationally 54 in NY

UFIRST has 5 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

+ Organic Growth Engine: Top 28.8% in tier
+ Emerging Performer: Top 30.9% in tier
+ ROA 0.61% above tier average
+ Net Interest Margin 1.51% above tier average
+ Share Certificate Concentration (%): Top 4.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 44.9% in tier
- Credit Quality Pressure: Bottom 71.9% in tier
- Deposit Outflow: Bottom 73.5% in tier
- Indirect Auto Dependency: Bottom 75.8% in tier
- Credit Risk Growth: Bottom 86.2% in tier
- AMR Growth Rate: Bottom 7.5% in tier
- Deposit Growth Rate: Bottom 9.0% in tier
- Indirect Auto Concentration (%): Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	10,370 +3.3% YoY+1.1% QoQ	-5.1K	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	33%
Assets	$130.1M +0.4% YoY+2.1% QoQ	$-101.7M	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	20%
Loans	$101.7M +2.9% YoY+2.9% QoQ	$-45.6M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	36%
Deposits	$116.3M -2.0% YoY+1.6% QoQ	$-84.5M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	22%

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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	1.4% +36.4% YoY-6.5% QoQ	+0.6%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	Top 13.9% in tier
NIM	5.1% +18.3% YoY+4.8% QoQ	+1.5%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Top 2.3% in tier
Efficiency Ratio	73.6% -7.1% YoY-0.1% QoQ	-3.4%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	35%
Delinquency Rate	0.8% +14.6% YoY+3.7% QoQ	-0.1	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	58%
Loan To Share	87.4% +5.0% YoY+1.3% QoQ	+15.2%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	80%
AMR	$21,029 -3.0% YoY+1.0% QoQ	$-4K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	40%
CD Concentration	4.2% +28.1% YoY-11.0% QoQ	-20.3%	24.4%	16.3%	19.8%	50%
Indirect Auto %	37.0% -9.6% YoY-3.4% QoQ	+23.2%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#172 of 595 • Top 28.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.37%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 36.97%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#57 of 182 • Top 30.9% 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: 1.37%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#94 of 208 • Bottom 44.9% in tier

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

Why This Signature

AMR Growth (YoY): -2.98%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Credit Quality Pressure

risk

#507 of 705 • Bottom 71.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Deposit Outflow

decline

#51 of 69 • Bottom 73.5% 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): -1.96%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 3.34%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Indirect Auto Dependency

risk

#384 of 506 • Bottom 75.8% in tier

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

Why This Signature

Asset Growth (YoY): 0.38%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 36.97%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.34%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Credit Risk Growth

risk

#393 of 456 • Bottom 86.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.92%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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 1069 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.11%

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 4.17%

Peer Median: -

#46 of 1069 Top 4.2% in 100M-500M tier

149

Return on Assets (ROA)

profitability

Value: 1.37%

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

165

Net Worth Ratio

risk

Value: 14.98%

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

193

Member Growth Rate

growth

Value: 3.34%

Peer Median: -

#193 of 1069 Top 18.0% in 100M-500M tier

216

Loan-to-Share Ratio

balance_sheet

Value: 87.44%

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

262

First Mortgage Concentration (%)

balance_sheet

Value: 17.17%

Peer Median: -

#262 of 1069 Top 24.4% in 100M-500M tier

Top Weaknesses (6 metrics)

990

AMR Growth Rate

growth

Value: -2.98%

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

974

Deposit Growth Rate

growth

Value: -1.96%

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

965

Indirect Auto Concentration (%)

balance_sheet

Value: 36.97%

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

891

Asset Growth Rate

growth

Value: 0.38%

Peer Median: -

#891 of 1069 Bottom 16.7% in 100M-500M tier

851

Total Assets

balance_sheet

Value: $130.13M

Peer Median: -

#851 of 1069 Bottom 20.5% in 100M-500M tier

833

Total Deposits

balance_sheet

Value: $116.34M

Peer Median: -

#833 of 1069 Bottom 22.2% in 100M-500M tier