BlastPoint's Credit Union Scorecard

FIRST

Charter #24673 · IA

1069 CUs in 100M-500M nationally 17 in IA

FIRST has 2 strengths but faces 16 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 77.2% in tier
+ Loan-to-Share Ratio: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 4.3% in tier
- Membership Headwinds: Bottom 17.0% in tier
- Institutional Decline: Bottom 21.3% in tier
- Efficiency Drag: Bottom 39.5% in tier
- Liquidity Strain: Bottom 81.9% in tier
- ROA 1.28% below tier average
- Efficiency ratio 23.21% above tier (higher cost structure)
- Delinquency rate 0.36% above tier average
- Member decline: -6.1% YoY
- Net Worth Ratio: Bottom 1.1% in tier
- Asset Growth Rate: Bottom 1.6% in tier
- Net Interest Margin (NIM): Bottom 2.6% in tier
- First Mortgage Concentration (%): Bottom 3.7% in tier
- Share Certificate Concentration (%): Bottom 5.0% in tier
- Member Growth Rate: Bottom 7.6% in tier
- Loan Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	10,124 -6.1% YoY-2.4% QoQ	-5.3K	15,437 -2.9% YoY	24,743 -0.2% YoY	33,374 +5.7% YoY	32%
Assets	$179.7M -6.4% YoY-0.1% QoQ	$-52.1M	$231.9M +1.3% YoY	$526.3M +6.5% YoY	$561.6M +9.7% YoY	43%
Loans	$142.7M -5.7% YoY-1.9% QoQ	$-4.7M	$147.3M -0.1% YoY	$422.1M +6.5% YoY	$397.0M +8.8% YoY	58%
Deposits	$151.5M -1.1% YoY-0.9% QoQ	$-49.3M	$200.8M +0.8% YoY	$432.9M +5.9% YoY	$477.3M +9.7% YoY	42%

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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	-0.5% -33.8% YoY+25.3% QoQ	-1.3%	0.8% +18.2% YoY	0.9% +6.1% YoY	0.7% +15.9% YoY	Bottom 2.5% in tier
NIM	2.2% +13.8% YoY+1.8% QoQ	-1.5%	3.6% +6.7% YoY	3.9% +6.4% YoY	3.8% +5.1% YoY	Bottom 2.5% in tier
Efficiency Ratio	100.2% -11.0% YoY+1.6% QoQ	+23.2%	77.0% -3.1% YoY	74.3% -0.8% YoY	79.7% -3.3% YoY	Top 2.0% in tier
Delinquency Rate	1.3% -19.1% YoY+9.2% QoQ	+0.4	0.9% +4.2% YoY	1.4% +32.5% YoY	1.3% -2.1% YoY	80%
Loan To Share	94.2% -4.6% YoY-1.0% QoQ	+22.0%	72.2% -1.1% YoY	76.3% -0.8% YoY	67.4% -1.7% YoY	Top 7.6% in tier
AMR	$29,058 +2.9% YoY+1.0% QoQ	+$4K	$24,676 +3.4% YoY	$21,029 +4.7% YoY	$19,687 +2.0% YoY	79%
CD Concentration	42.4% -0.8% YoY-0.7% QoQ	+17.9%	24.4%	22.0%	19.8%	50%
Indirect Auto %	10.0% -21.4% YoY-4.9% QoQ	-3.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#207 of 268 • Top 77.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.95%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.6K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#25 of 554 • Bottom 4.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.66%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.25%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#95 of 554 • Bottom 17.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#52 of 240 • Bottom 21.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $179.74M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -6.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.66%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#213 of 538 • Bottom 39.5% in tier

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

Why This Signature

Efficiency Ratio: 100.23%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -6.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Liquidity Strain

risk

#187 of 228 • Bottom 81.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.18%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -5.66%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

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

↓ Shrinking -37 CUs YoY | Rank worsening

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)

Loan-to-Share Ratio

balance_sheet

Value: 94.18%

Peer Median: -

#81 of 1069 Top 7.5% in 100M-500M tier

145

Loan-to-Member Ratio (LMR)

engagement

Value: $14,094

Peer Median: -

#145 of 1069 Top 13.5% in 100M-500M tier

224

Average Member Relationship (AMR)

engagement

Value: $29,058

Peer Median: -

#224 of 1069 Top 20.9% in 100M-500M tier

266

Members Per Employee (MPE)

engagement

Value: 374.963

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (12 metrics)

1058

Net Worth Ratio

risk

Value: 7.32%

Peer Median: -

#1058 of 1069 Bottom 1.1% in 100M-500M tier

1053

Asset Growth Rate

growth

Value: -6.41%

Peer Median: -

#1053 of 1069 Bottom 1.6% in 100M-500M tier

1049

Efficiency Ratio

profitability

Value: 100.23%

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1042

Return on Assets (ROA)

profitability

Value: -0.51%

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1042

Net Interest Margin (NIM)

profitability

Value: 2.15%

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1030

First Mortgage Concentration (%)

balance_sheet

Value: 66.46%

Peer Median: -

#1030 of 1069 Bottom 3.7% in 100M-500M tier

1017

Share Certificate Concentration (%)

balance_sheet

Value: 42.36%

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

989

Member Growth Rate

growth

Value: -6.14%

Peer Median: -

#989 of 1069 Bottom 7.6% in 100M-500M tier

967

Loan Growth Rate

growth

Value: -5.66%

Peer Median: -

#967 of 1069 Bottom 9.6% in 100M-500M tier

940

Deposit Growth Rate

growth

Value: -1.11%

Peer Median: -

#940 of 1069 Bottom 12.2% in 100M-500M tier