BlastPoint's Credit Union Scorecard

INFIRST

Charter #233 · VA

100M-500M

1069 CUs in 100M-500M nationally 25 in VA

INFIRST faces 8 concerns requiring attention

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 10.92% above tier (higher cost structure)
- Delinquency rate 0.06% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	14,715 +0.3% YoY-2.4% QoQ	-722	15,437 -2.9% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	57%
Assets	$190.3M -2.9% YoY+0.2% QoQ	$-41.6M	$231.9M +1.3% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	48%
Loans	$145.0M -4.0% YoY-2.4% QoQ	$-2.4M	$147.3M -0.1% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	59%
Deposits	$169.4M -4.0% YoY-0.1% QoQ	$-31.4M	$200.8M +0.8% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	49%

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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	0.2% -4.5% YoY+60.8% QoQ	-0.5%	0.8% +18.2% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	Bottom 13.9% in tier
NIM	3.2% +25.1% YoY+0.2% QoQ	-0.4%	3.6% +6.7% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	29%
Efficiency Ratio	87.9% -4.5% YoY-1.8% QoQ	+10.9%	77.0% -3.1% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	Bottom 14.0% in tier
Delinquency Rate	1.0% +67.5% YoY+101.7% QoQ	+0.1	0.9% +4.2% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	66%
Loan To Share	85.6% -0.1% YoY-2.3% QoQ	+13.4%	72.2% -1.1% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	76%
AMR	$21,360 -4.2% YoY+1.3% QoQ	$-3K	$24,676 +3.4% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	42%
CD Concentration	21.2% -4.9% YoY+3.1% QoQ	-3.2%	24.4%	18.3%	19.8%	50%
Indirect Auto %	13.9% +47.0% YoY+1.2% QoQ	+0.1%	13.8%	9.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#4 of 538 • 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: 87.94%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.01% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.26%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#179 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% 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 | New qualifier

Shrinking Wallet Share

decline

#65 of 208 • 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): -4.25%

(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 worsening

Deposit Outflow

decline

#28 of 69 • 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): -3.98%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.26%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

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

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

Capital Constraint

risk

#23 of 23 • 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: 85.59%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -3.98%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 10.41%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 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 (1 metrics)

257

Loan-to-Share Ratio

balance_sheet

Value: 85.59%

Peer Median: -

#257 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1019

Deposit Growth Rate

growth

Value: -3.98%

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier

1016

AMR Growth Rate

growth

Value: -4.25%

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

1007

Asset Growth Rate

growth

Value: -2.90%

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

993

First Mortgage Concentration (%)

balance_sheet

Value: 57.55%

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

920

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: -

#920 of 1069 Bottom 14.0% in 100M-500M tier

920

Efficiency Ratio

profitability

Value: 87.94%

Peer Median: -

#920 of 1069 Bottom 14.0% in 100M-500M tier

914

Loan Growth Rate

growth

Value: -4.03%

Peer Median: -

#914 of 1069 Bottom 14.6% in 100M-500M tier