BlastPoint's Credit Union Scorecard

FIRST SOURCE

Charter #2658 · NY

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 12 in NY

View Mid-Market leaderboard →

FIRST SOURCE has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 44.9% in tier
+ Organic Growth Engine: Top 49.7% in tier
+ Organic Growth Leader: Top 49.7% in tier
+ Net Interest Margin 1.49% above tier average
+ Loan-to-Share Ratio: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.0% in tier
- Credit Quality Pressure: Bottom 19.5% in tier
- Credit Risk Growth: Bottom 59.7% in tier
- Delinquency rate 0.05% above tier average
- Members Per Employee (MPE): Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	64,151 +2.2% YoY+0.6% QoQ	-31.9K	96,048 -2.7% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	20%
Assets	$1.1B +4.3% YoY+1.2% QoQ	$-602.3M	$1.7B +0.4% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	Bottom 12.7% in tier
Loans	$1.0B +3.9% YoY-0.0% QoQ	$-182.1M	$1.2B +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	42%
Deposits	$998.6M +4.0% YoY+2.2% QoQ	$-466.9M	$1.5B +0.5% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	17%

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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	0.7% +10.2% YoY+4.3% QoQ	+0.0%	0.7% +27.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	56%
NIM	4.8% +12.0% YoY+7.6% QoQ	+1.5%	3.4% +6.2% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Top 1.3% in tier
Efficiency Ratio	67.6% -3.4% YoY-1.5% QoQ	-7.0%	74.6% -3.0% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	0.8% +30.0% YoY-13.0% QoQ	+0.1	0.8% +6.9% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	69%
Loan To Share	103.3% -0.1% YoY-2.2% QoQ	+20.1%	83.2% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Top 5.2% in tier
AMR	$31,648 +1.7% YoY+0.5% QoQ	+$2K	$29,652 +2.3% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	68%
CD Concentration	29.5% +15.9% YoY+1.9% QoQ	+0.7%	28.8%	16.4%	19.8%	54%
Indirect Auto %	0.0%	-18.1%	18.1%	2.6%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#64 of 115 • Top 49.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.19%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.74%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#87 of 116 • Top 49.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.19%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Emerging Performer

growth

#66 of 79 • Top 44.9% 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: 0.74%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.19%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (3)

Liquidity Strain

risk

#44 of 148 • Bottom 6.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 103.31%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.89%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#74 of 225 • Bottom 19.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#95 of 183 • Bottom 59.7% in tier

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

Why This Signature

Loan Growth (YoY): 3.89%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.85%

Peer Median: 3.37%

#4 of 306 Top 1.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 103.31%

Peer Median: 85.31%

#16 of 306 Top 4.9% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,081

Peer Median: $12,733

#55 of 306 Top 17.6% in 1B-3B tier

Efficiency Ratio

profitability

Value: 67.60%

Peer Median: 75.16%

#66 of 306 Top 21.2% in 1B-3B tier

Top Weaknesses (5 metrics)

277

Members Per Employee (MPE)

engagement

Value: 263.996

Peer Median: 345.077

#277 of 306 Bottom 9.8% in 1B-3B tier

267

Total Assets

balance_sheet

Value: $1.12B

Peer Median: $1.51B

#267 of 306 Bottom 13.1% in 1B-3B tier

263

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.51%

#263 of 306 Bottom 14.4% in 1B-3B tier

253

Total Deposits

balance_sheet

Value: $998.60M

Peer Median: $1.31B

#253 of 306 Bottom 17.6% in 1B-3B tier

244

Total Members

engagement

Value: 64,151

Peer Median: 85,918

#244 of 306 Bottom 20.6% in 1B-3B tier