INFIRST

Charter #233 | VA

100M-500M (1077 CUs) Micro
25 100M-500M in VA

INFIRST has 3 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 21.2% in tier
  • + Emerging Performer: Top 23.8% 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
  • - Deposit Outflow: Bottom 3.9% in tier
  • - Efficiency Drag: Bottom 12.2% in tier
  • - Capital Constraint: Bottom 14.9% in tier
  • - Credit Quality Pressure: Bottom 18.4% 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
 58th in tier
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
 48th in tier
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
 60th in tier
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
 49th in tier
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
 29th in tier
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
 35th in tier
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
 Top 20.1% in tier
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
 43rd in tier
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
 50th in tier
Indirect Auto % 13.7%
+34.2% YoY+6.4% QoQ
 -0.2% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#280 of 430 • Top 21.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.80%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Emerging Performer

growth
#447 of 627 • Top 23.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.14%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.80%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 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: 13.96%, 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

Deposit Outflow

decline
#24 of 114 • Bottom 3.9% in tier

Members staying but deposits leaving. They're losing 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
Total Assets: $189.93M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

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

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)

Comparing against 1077 peers in tier

Top Strengths (1 metrics)

217
Loan-to-Share Ratio
balance_sheet
Value: 87.57%
Peer Avg: 72.70%
#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1053
Deposit Growth Rate
growth
Value: -6.87%
Peer Avg: 4.69%
#1053 of 1077 Bottom 2.3% in 100M-500M tier
1052
AMR Growth Rate
growth
Value: -7.98%
Peer Avg: 3.64%
#1052 of 1077 Bottom 2.4% in 100M-500M tier
1043
Asset Growth Rate
growth
Value: -5.34%
Peer Avg: 4.70%
#1043 of 1077 Bottom 3.2% in 100M-500M tier
996
First Mortgage Concentration (%)
balance_sheet
Value: 57.12%
Peer Avg: 30.43%
#996 of 1077 Bottom 7.6% in 100M-500M tier
963
Loan Growth Rate
growth
Value: -5.67%
Peer Avg: 3.45%
#963 of 1077 Bottom 10.7% in 100M-500M tier
957
Efficiency Ratio
profitability
Value: 89.53%
Peer Avg: 77.28%
#957 of 1077 Bottom 11.2% in 100M-500M tier
956
Return on Assets (ROA)
profitability
Value: 0.14%
Peer Avg: 0.79%
#956 of 1077 Bottom 11.3% in 100M-500M tier