BlastPoint's Credit Union Scorecard

INFIRST

Charter #233 · VA

1077 CUs in 100M-500M nationally 25 in VA

INFIRST has 2 strengths but faces 11 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 21.2% in tier
+ Organic Growth Engine: Top 31.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 3.1% in tier
- Efficiency Drag: Bottom 12.2% in tier
- Capital Constraint: Bottom 14.9% in tier
- Credit Quality Pressure: Bottom 18.4% in tier
- Deposit Outflow: Bottom 23.8% in tier
- ROA 0.65% below tier average
- Efficiency ratio 12.25% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 2.3% in tier
- AMR Growth Rate: Bottom 2.4% in tier
- Asset Growth Rate: Bottom 3.2% in tier
- First Mortgage Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	15,076 +1.8% YoY+1.0% QoQ	-552	15,628 -3.4% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	58%
Assets	$189.9M -5.3% YoY-0.1% QoQ	$-41.4M	$231.3M -0.0% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	48%
Loans	$148.5M -5.7% YoY-0.7% QoQ	+$681K	$147.8M -1.4% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	60%
Deposits	$169.6M -6.9% YoY-0.2% QoQ	$-30.7M	$200.3M -0.0% YoY	$2.4B +8.1% YoY	$464.6M +9.3% 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	0.1% -161.7% YoY+10.6% QoQ	-0.6%	0.8% +15.5% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	Bottom 11.2% in tier
NIM	3.2% +24.2% YoY+2.5% QoQ	-0.4%	3.6% +6.9% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	29%
Efficiency Ratio	89.5% -13.1% YoY+2.1% QoQ	+12.3%	77.3% -3.0% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	Top 11.2% in tier
Delinquency Rate	0.5% +34.5% YoY-34.6% QoQ	-0.4	0.9% +7.6% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	35%
Loan To Share	87.6% +1.3% YoY-0.6% QoQ	+14.9%	72.7% -1.5% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	80%
AMR	$21,096 -8.0% YoY-1.4% QoQ	$-3K	$24,363 +2.9% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	43%
CD Concentration	20.6% -8.3% YoY+8.9% QoQ	-3.8%	24.4% +4.2% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	13.7% +34.2% YoY+6.4% QoQ	-0.2%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#280 of 430 • Top 21.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.80%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 13.74%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#574 of 603 • Top 31.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.80%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.14%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 13.74%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#32 of 244 • Bottom 3.1% in tier

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

Why This Signature

AMR Growth (YoY): -7.98%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY

Efficiency Drag

risk

#217 of 521 • Bottom 12.2% in tier

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

Why This Signature

Efficiency Ratio: 89.53%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.37% points

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

but better than tier avg

Member Growth (YoY): 1.80%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Capital Constraint

risk

#14 of 18 • Bottom 14.9% 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: 87.57%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -6.87%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 10.37%

(Tier: 11.95%, National: 14.51%)

worse than tier avg

18 of 1077 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Credit Quality Pressure

risk

#455 of 736 • Bottom 18.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% 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

Deposit Outflow

decline

#20 of 81 • Bottom 23.8% 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): -6.87%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.80%

(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 | 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 1077 peers in tier

Top Strengths (1 metrics)

217

Loan-to-Share Ratio

balance_sheet

Value: 87.57%

Peer Avg: -

#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1053

Deposit Growth Rate

growth

Value: -6.87%

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

1052

AMR Growth Rate

growth

Value: -7.98%

Peer Avg: -

#1052 of 1077 Bottom 2.4% in 100M-500M tier

1043

Asset Growth Rate

growth

Value: -5.34%

Peer Avg: -

#1043 of 1077 Bottom 3.2% in 100M-500M tier

996

First Mortgage Concentration (%)

balance_sheet

Value: 57.12%

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

963

Loan Growth Rate

growth

Value: -5.67%

Peer Avg: -

#963 of 1077 Bottom 10.7% in 100M-500M tier

957

Efficiency Ratio

profitability

Value: 89.53%

Peer Avg: -

#957 of 1077 Bottom 11.2% in 100M-500M tier

956

Return on Assets (ROA)

profitability

Value: 0.14%

Peer Avg: -

#956 of 1077 Bottom 11.3% in 100M-500M tier