BlastPoint's Credit Union Scorecard

INFIRST

Charter #233 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 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
- Shrinking Wallet Share: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.60% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	14,636 -1.1% YoY-0.5% QoQ	-509	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	57%
Assets	$191.9M -2.6% YoY+0.8% QoQ	$-39.8M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	48%
Loans	$143.3M -4.6% YoY-1.2% QoQ	$-866K	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	60%
Deposits	$170.8M -3.3% YoY+0.9% QoQ	$-30.3M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	50%

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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	0.1% -15.5% YoY-45.2% QoQ	-0.6%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Bottom 12.8% in tier
NIM	3.2% +8.2% YoY-1.9% QoQ	-0.5%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	92.6% -1.4% YoY+5.3% QoQ	+14.5%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Bottom 10.2% in tier
Delinquency Rate	0.7% +2.1% YoY-30.6% QoQ	-0.1	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	54%
Loan To Share	83.9% -1.4% YoY-2.0% QoQ	+13.5%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	78%
AMR	$21,462 -2.9% YoY+0.5% QoQ	$-3K	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	41%
CD Concentration	21.2% +9.4% YoY+0.2% QoQ	-3.0%	24.3%	18.0%	19.8%	50%
Indirect Auto %	14.6% +29.9% YoY+5.3% QoQ	+0.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#7 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: 92.57%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.02% points

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

worse than tier avg

Member Growth (YoY): -1.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

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

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#112 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): -2.88%

(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 | Rank worsening

Stagnation Risk

risk

#294 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.63%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.66%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Accelerating Exit Risk

decline

#33 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -2.88%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Institutional Decline

decline

#191 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $191.92M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.63%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#488 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#683 of 727 • 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): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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 (1 metrics)

241

Loan-to-Share Ratio

balance_sheet

Value: 83.87%

Peer Median: 71.88%

#241 of 1070 Top 22.4% in 100M-500M tier

Top Weaknesses (8 metrics)

998

Deposit Growth Rate

growth

Value: -3.29%

Peer Median: 3.30%

#998 of 1070 Bottom 6.8% in 100M-500M tier

991

Asset Growth Rate

growth

Value: -2.60%

Peer Median: 3.91%

#991 of 1070 Bottom 7.5% in 100M-500M tier

988

First Mortgage Concentration (%)

balance_sheet

Value: 57.07%

Peer Median: 29.47%

#988 of 1070 Bottom 7.8% in 100M-500M tier

978

AMR Growth Rate

growth

Value: -2.88%

Peer Median: 3.46%

#978 of 1070 Bottom 8.7% in 100M-500M tier

962

Efficiency Ratio

profitability

Value: 92.57%

Peer Median: 78.68%

#962 of 1070 Bottom 10.2% in 100M-500M tier

944

Loan Growth Rate

growth

Value: -4.63%

Peer Median: 2.93%

#944 of 1070 Bottom 11.9% in 100M-500M tier

933

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Median: 0.69%

#933 of 1070 Bottom 12.9% in 100M-500M tier

819

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.62%

#819 of 1070 Bottom 23.6% in 100M-500M tier