BlastPoint's Credit Union Scorecard

FIRST

Charter #24673 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

FIRST has 1 strength but faces 8 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

+ Loan-to-Share Ratio: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 1.32% below tier average
- Efficiency ratio 27.96% above tier (higher cost structure)
- Member decline: -5.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	10,057 -5.4% YoY-0.7% QoQ	-5.1K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	33%
Assets	$177.4M -6.5% YoY-1.3% QoQ	$-54.3M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	42%
Loans	$139.7M -5.7% YoY-2.1% QoQ	$-4.5M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	59%
Deposits	$151.3M -3.5% YoY-0.1% QoQ	$-49.8M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% 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	-0.6% -33.6% YoY+15.6% QoQ	-1.3%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	Bottom 2.3% in tier
NIM	2.3% +14.1% YoY+6.1% QoQ	-1.3%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	Bottom 2.6% in tier
Efficiency Ratio	106.0% -4.7% YoY+5.7% QoQ	+28.0%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	Bottom 1.9% in tier
Delinquency Rate	0.7% -34.4% YoY-43.3% QoQ	-0.1	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	58%
Loan To Share	92.3% -2.4% YoY-2.0% QoQ	+21.9%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	Top 7.6% in tier
AMR	$28,937 +0.9% YoY-0.4% QoQ	+$4K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	77%
CD Concentration	42.8% +3.7% YoY+1.0% QoQ	+18.5%	24.3%	21.8%	19.8%	50%
Indirect Auto %	9.2% -22.4% YoY-7.3% QoQ	-4.6%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#51 of 570 • Bottom 50.0% 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): -5.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.73%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.71%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#114 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#52 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $177.44M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -5.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.73%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#217 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 105.98%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -5.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Liquidity Strain

risk

#169 of 183 • 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: 92.29%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -5.73%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 1070 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 92.29%

Peer Median: 71.88%

#81 of 1070 Top 7.5% in 100M-500M tier

156

Loan-to-Member Ratio (LMR)

engagement

Value: $13,888

Peer Median: $9,356

#156 of 1070 Top 14.5% in 100M-500M tier

244

Average Member Relationship (AMR)

engagement

Value: $28,937

Peer Median: $22,931

#244 of 1070 Top 22.7% in 100M-500M tier

Top Weaknesses (10 metrics)

1062

Net Worth Ratio

risk

Value: 7.26%

Peer Median: 11.45%

#1062 of 1070 Bottom 0.8% in 100M-500M tier

1051

Efficiency Ratio

profitability

Value: 105.98%

Peer Median: 78.68%

#1051 of 1070 Bottom 1.9% in 100M-500M tier

1049

Asset Growth Rate

growth

Value: -6.48%

Peer Median: 3.91%

#1049 of 1070 Bottom 2.1% in 100M-500M tier

1045

Return on Assets (ROA)

profitability

Value: -0.59%

Peer Median: 0.69%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1042

Net Interest Margin (NIM)

profitability

Value: 2.28%

Peer Median: 3.62%

#1042 of 1070 Bottom 2.7% in 100M-500M tier

1036

First Mortgage Concentration (%)

balance_sheet

Value: 67.05%

Peer Median: 29.47%

#1036 of 1070 Bottom 3.3% in 100M-500M tier

1021

Share Certificate Concentration (%)

balance_sheet

Value: 42.79%

Peer Median: 23.10%

#1021 of 1070 Bottom 4.7% in 100M-500M tier

1001

Deposit Growth Rate

growth

Value: -3.46%

Peer Median: 3.30%

#1001 of 1070 Bottom 6.5% in 100M-500M tier

982

Loan Growth Rate

growth

Value: -5.73%

Peer Median: 2.93%

#982 of 1070 Bottom 8.3% in 100M-500M tier

974

Member Growth Rate

growth

Value: -5.42%

Peer Median: -0.06%

#974 of 1070 Bottom 9.1% in 100M-500M tier