BlastPoint's Credit Union Scorecard
INFIRST
Charter #233 · VA
INFIRST faces 8 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 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.78% below tier average
- - Efficiency ratio 16.34% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 6.2% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
- Shares and deposits -2.4% year over year ($166M in shares and deposits).
- Membership: 14,860 members, -0.4% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 0.08%.
- Efficiency ratio 93.08% vs a 76.73% peer average.
- Loan-to-share ratio 84.97% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,860
-0.4% YoY+1.5% QoQ
|
-308 |
15,168
-2.6% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$186.0M
-2.2% YoY-3.1% QoQ
|
$-46.0M |
$232.0M
+0.7% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$140.8M
-5.9% YoY-1.7% QoQ
|
$-5.5M |
$146.3M
+0.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$165.7M
-2.4% YoY-3.0% QoQ
|
$-35.0M |
$200.7M
+0.2% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.1%
-34.9% YoY-33.2% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.8% in tier |
| NIM |
3.4%
+8.6% YoY+7.8% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
93.1%
+6.2% YoY+0.6% QoQ
|
+16.3% |
76.7%
-0.8% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
0.5%
-31.8% YoY-25.5% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
85.0%
-3.6% YoY+1.3% QoQ
|
+13.4% |
71.5%
-0.3% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$20,625
-3.6% YoY-3.9% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
19.7%
+4.1% YoY-7.5% QoQ
|
-4.9% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
15.4%
+19.4% YoY+5.3% QoQ
|
+1.8% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)