BlastPoint's Credit Union Scorecard
FIRST
Charter #24673 · IA
FIRST has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% 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 0.38% below tier average
- - Efficiency ratio 27.56% above tier (higher cost structure)
- - Member decline: -5.2% YoY
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 19 that size in Iowa.
- Shares and deposits -0.9% year over year ($152M in shares and deposits).
- Membership: 9,947 members, -5.2% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 0.48%.
- Efficiency ratio 104.30% vs a 76.73% peer average.
- Loan-to-share ratio 90.52% 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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,947
-5.2% YoY-1.1% QoQ
|
-5.2K |
15,168
-2.6% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$174.5M
-4.3% YoY-1.6% QoQ
|
$-57.5M |
$232.0M
+0.7% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$137.6M
-4.8% YoY-1.5% QoQ
|
$-8.7M |
$146.3M
+0.2% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$152.0M
-0.9% YoY+0.4% QoQ
|
$-48.8M |
$200.7M
+0.2% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.5%
-227.5% YoY-180.6% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
2.4%
+15.8% YoY+3.3% QoQ
|
-1.3% |
3.7%
+4.5% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio |
104.3%
+7.8% YoY-1.6% QoQ
|
+27.6% |
76.7%
-0.8% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate |
0.9%
-49.5% YoY+24.1% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
90.5%
-3.9% YoY-1.9% QoQ
|
+19.0% |
71.5%
-0.3% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 14.2% in tier |
| AMR |
$29,105
+2.5% YoY+0.6% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
42.8%
+1.8% YoY-0.1% QoQ
|
+18.2% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
8.6%
-23.0% YoY-7.0% QoQ
|
-5.0% | 13.6% | 9.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)