BlastPoint's Credit Union Scorecard

FIRST

Charter #24673 · IA

1077 CUs in 100M-500M nationally 17 in IA

FIRST has 2 strengths but faces 15 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 94.9% in tier
+ Loan-to-Share Ratio: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 7.5% in tier
- Membership Headwinds: Bottom 7.5% in tier
- Efficiency Drag: Bottom 11.5% in tier
- Stagnation Risk: Bottom 19.3% in tier
- Liquidity Strain: Bottom 24.8% in tier
- ROA 1.20% below tier average
- Efficiency ratio 21.37% above tier (higher cost structure)
- Delinquency rate 0.29% above tier average
- Member decline: -4.7% YoY
- Asset Growth Rate: Bottom 2.1% in tier
- Net Worth Ratio: Bottom 2.1% in tier
- Net Interest Margin (NIM): Bottom 2.6% in tier
- First Mortgage Concentration (%): Bottom 3.5% in tier
- Share Certificate Concentration (%): Bottom 4.7% in tier
- Loan Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	10,369 -4.7% YoY-1.1% QoQ	-5.3K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	32%
Assets	$179.9M -6.7% YoY-1.4% QoQ	$-51.4M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	43%
Loans	$145.5M -6.5% YoY+0.7% QoQ	$-2.3M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	59%
Deposits	$152.9M -0.1% YoY-0.3% QoQ	$-47.4M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	42%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	-0.4% -40.6% YoY+9.1% QoQ	-1.2%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	Bottom 2.4% in tier
NIM	2.1% +12.5% YoY+3.8% QoQ	-1.5%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	Bottom 2.5% in tier
Efficiency Ratio	98.6% -11.3% YoY+1.9% QoQ	+21.4%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	Top 2.8% in tier
Delinquency Rate	1.1% -7.2% YoY-34.2% QoQ	+0.3	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	76%
Loan To Share	95.2% -6.4% YoY+1.0% QoQ	+22.5%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	Top 7.1% in tier
AMR	$28,780 +1.5% YoY+1.3% QoQ	+$4K	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	79%
CD Concentration	42.7% -1.8% YoY+1.6% QoQ	+18.3%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	10.5% -20.8% YoY-6.1% QoQ	-3.5%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#244 of 257 • Top 94.9% 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): 1.48%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.4K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline

#60 of 256 • Bottom 7.5% in tier

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

Why This Signature

Total Assets: $179.85M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -4.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.53%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Membership Headwinds

decline

#125 of 550 • Bottom 7.5% in tier

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

Why This Signature

Member Growth (YoY): -4.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk

#203 of 521 • Bottom 11.5% in tier

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

Why This Signature

Efficiency Ratio: 98.65%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -4.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Stagnation Risk

risk

#318 of 550 • Bottom 19.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.53%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.15%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Strain

risk

#193 of 258 • Bottom 24.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.16%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -6.53%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 1077 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 95.16%

Peer Avg: -

#77 of 1077 Top 7.1% in 100M-500M tier

143

Loan-to-Member Ratio (LMR)

engagement

Value: $14,033

Peer Avg: -

#143 of 1077 Top 13.2% in 100M-500M tier

215

Members Per Employee (MPE)

engagement

Value: 398.808

Peer Avg: -

#215 of 1077 Top 19.9% in 100M-500M tier

222

Average Member Relationship (AMR)

engagement

Value: $28,780

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1055

Asset Growth Rate

growth

Value: -6.67%

Peer Avg: -

#1055 of 1077 Bottom 2.1% in 100M-500M tier

1055

Net Worth Ratio

risk

Value: 7.67%

Peer Avg: -

#1055 of 1077 Bottom 2.1% in 100M-500M tier

1051

Return on Assets (ROA)

profitability

Value: -0.41%

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1050

Net Interest Margin (NIM)

profitability

Value: 2.11%

Peer Avg: -

#1050 of 1077 Bottom 2.6% in 100M-500M tier

1048

Efficiency Ratio

profitability

Value: 98.65%

Peer Avg: -

#1048 of 1077 Bottom 2.8% in 100M-500M tier

1040

First Mortgage Concentration (%)

balance_sheet

Value: 66.37%

Peer Avg: -

#1040 of 1077 Bottom 3.5% in 100M-500M tier

1027

Share Certificate Concentration (%)

balance_sheet

Value: 42.67%

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

986

Loan Growth Rate

growth

Value: -6.53%

Peer Avg: -

#986 of 1077 Bottom 8.5% in 100M-500M tier

967

Member Growth Rate

growth

Value: -4.74%

Peer Avg: -

#967 of 1077 Bottom 10.3% in 100M-500M tier

877

Deposit Growth Rate

growth

Value: -0.08%

Peer Avg: -

#877 of 1077 Bottom 18.7% in 100M-500M tier