BlastPoint's Credit Union Scorecard

FIRST SOURCE

Charter #2658 · NY

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 13 in NY

View Mid-Market leaderboard →

FIRST SOURCE has 7 strengths but faces 3 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

+ Organic Growth Engine: Top 52.9% in tier
+ Organic Growth Leader: Top 69.5% in tier
+ Emerging Performer: Top 84.2% in tier
+ ROA 0.02% above tier average
+ Net Interest Margin 1.23% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 4.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 24.8% in tier
- Delinquency rate 0.04% above tier average
- Members Per Employee (MPE): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	63,773 +2.2% YoY+0.3% QoQ	-33.7K	97,431 -2.4% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	18%
Assets	$1.1B +3.9% YoY+0.9% QoQ	$-619.5M	$1.7B +0.9% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	Bottom 10.6% in tier
Loans	$1.0B +3.2% YoY+0.8% QoQ	$-202.7M	$1.2B +0.5% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	39%
Deposits	$976.7M +6.4% YoY+2.0% QoQ	$-482.7M	$1.5B +0.9% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	16%

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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% -2.1% YoY-4.3% QoQ	+0.0%	0.7% +20.9% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	56%
NIM	4.5% +13.1% YoY+0.4% QoQ	+1.2%	3.3% +9.2% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Top 3.0% in tier
Efficiency Ratio	68.6% -2.3% YoY-1.1% QoQ	-5.5%	74.1% -9.5% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.9% -8.5% YoY+9.2% QoQ	+0.0	0.9% +6.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	65%
Loan To Share	105.6% -2.9% YoY-1.2% QoQ	+20.8%	84.8% -0.8% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	Top 4.3% in tier
AMR	$31,492 +2.5% YoY+1.1% QoQ	+$2K	$29,428 +2.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	69%
CD Concentration	29.0% +13.9% YoY+3.3% QoQ	-0.0%	29.0%	16.3%	19.8%	52%
Indirect Auto %	0.0%	-18.3%	18.3%	2.6%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#131 of 247 • Top 52.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.21%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.71%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#99 of 142 • Top 69.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.21%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Emerging Performer

growth

#65 of 77 • Top 84.2% 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: 0.71%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.21%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#42 of 166 • 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: 105.64%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.24%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 302 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.50%

Peer Median: -

#9 of 302 Top 2.6% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 105.64%

Peer Median: -

#13 of 302 Top 4.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,178

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

Top Weaknesses (5 metrics)

279

Members Per Employee (MPE)

engagement

Value: 260.298

Peer Median: -

#279 of 302 Bottom 7.9% in 1B-3B tier

270

Total Assets

balance_sheet

Value: $1.10B

Peer Median: -

#270 of 302 Bottom 10.9% in 1B-3B tier

255

Total Deposits

balance_sheet

Value: $976.66M

Peer Median: -

#255 of 302 Bottom 15.9% in 1B-3B tier

254

Net Charge-Off Rate

risk

Value: 0.95%

Peer Median: -

#254 of 302 Bottom 16.2% in 1B-3B tier

246

Total Members

engagement

Value: 63,773

Peer Median: -

#246 of 302 Bottom 18.9% in 1B-3B tier