BlastPoint's Credit Union Scorecard

COMMUNITY FIRST

Charter #24199 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

COMMUNITY FIRST has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.21% above tier average
+ Net Interest Margin 1.90% above tier average
+ Loan-to-Share Ratio: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency ratio 1.97% above tier (higher cost structure)
- Delinquency rate 0.48% above tier average
- Net Worth Ratio: Bottom 5.5% in tier
- Members Per Employee (MPE): Bottom 6.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	13,650 +2.9% YoY+0.6% QoQ	-1.8K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	51%
Assets	$146.6M +7.7% YoY-1.0% QoQ	$-85.3M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	29%
Loans	$123.4M +6.2% YoY+2.4% QoQ	$-24.0M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	50%
Deposits	$133.0M +6.4% YoY-1.7% QoQ	$-67.8M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +27.0% YoY+1.0% QoQ	+0.2%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	66%
NIM	5.5% -0.5% YoY+2.3% QoQ	+1.9%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 0.8% in tier
Efficiency Ratio	79.0% -4.5% YoY+1.1% QoQ	+2.0%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	56%
Delinquency Rate	1.4% +13.3% YoY+4.2% QoQ	+0.5	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	82%
Loan To Share	92.8% -0.2% YoY+4.2% QoQ	+20.5%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Top 9.7% in tier
AMR	$18,784 +3.3% YoY-0.3% QoQ	$-6K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	26%
CD Concentration	27.8% -1.5% YoY+2.7% QoQ	+3.4%	24.4%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#148 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.92%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.97%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#189 of 426 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 2.92%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#113 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.97%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.92%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#242 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.24%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#412 of 705 • 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): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Strain

risk

#148 of 228 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.76%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 6.24%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.51%

Peer Median: -

#9 of 1069 Top 0.7% in 100M-500M tier

104

Loan-to-Share Ratio

balance_sheet

Value: 92.76%

Peer Median: -

#104 of 1069 Top 9.6% in 100M-500M tier

220

Member Growth Rate

growth

Value: 2.92%

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1011

Net Worth Ratio

risk

Value: 8.26%

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

1001

Members Per Employee (MPE)

engagement

Value: 210.000

Peer Median: -

#1001 of 1069 Bottom 6.5% in 100M-500M tier

947

First Mortgage Concentration (%)

balance_sheet

Value: 52.43%

Peer Median: -

#947 of 1069 Bottom 11.5% in 100M-500M tier

882

Total Delinquency Rate (60+ days)

risk

Value: 1.38%

Peer Median: -

#882 of 1069 Bottom 17.6% in 100M-500M tier