BlastPoint's Credit Union Scorecard
INFIRST
Charter #233 · VA
INFIRST faces 12 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.6% in tier
- - Credit Quality Pressure: Bottom 25.3% in tier
- - Shrinking Wallet Share: Bottom 30.9% in tier
- - Deposit Outflow: Bottom 39.7% in tier
- - Capital Constraint: Bottom 100.0% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 10.92% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Deposit Growth Rate: Bottom 4.8% in tier
- - AMR Growth Rate: Bottom 5.1% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
- - First Mortgage Concentration (%): Bottom 7.2% in tier
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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| 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
|
Top 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)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)