BlastPoint's Credit Union Scorecard
FIRST SOURCE
Charter #2658 · NY
FIRST SOURCE has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 44.3% in tier
- + Organic Growth Engine: Top 46.8% in tier
- + Organic Growth Leader: Top 46.8% in tier
- + Net Interest Margin 1.44% above tier average
- + Loan-to-Share Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.6% in tier
- - Credit Quality Pressure: Bottom 15.6% in tier
- - Credit Risk Growth: Bottom 53.0% in tier
- - Delinquency rate 0.17% above tier average
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits +3.4% year over year ($999M in shares and deposits).
- Membership: 64,681 members, +2.3% vs a year ago.
- Delinquency rate 1.03%.
- Return on assets 0.85%.
- Efficiency ratio 67.27% vs a 73.02% peer average.
- Loan-to-share ratio 105.86% vs a 84.71% 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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,681
+2.3% YoY+0.8% QoQ
|
-32.2K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$1.1B
+4.0% YoY+0.3% QoQ
|
$-603.6M |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.3% in tier |
| Loans |
$1.1B
+5.4% YoY+2.5% QoQ
|
$-176.5M |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$999.1M
+3.4% YoY+0.1% QoQ
|
$-464.2M |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.9%
+19.9% YoY+15.1% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
4.9%
+9.7% YoY+0.4% QoQ
|
+1.4% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
67.3%
-3.5% YoY-0.5% QoQ
|
-5.7% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
1.0%
+36.0% YoY+27.5% QoQ
|
+0.2 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
105.9%
+1.9% YoY+2.5% QoQ
|
+21.1% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 4.3% in tier |
| AMR |
$31,800
+2.1% YoY+0.5% QoQ
|
+$2K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
29.6%
+13.0% YoY+0.2% QoQ
|
+0.5% | 29.1% | 16.4% | 20.0% | 53% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)