BlastPoint's Credit Union Scorecard
FIRST SOURCE
Charter #2658 · NY
FIRST SOURCE has 7 strengths but faces 5 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
- + Organic Growth Engine: Top 15.9% in tier
- + Organic Growth Leader: Top 21.9% in tier
- + Emerging Performer: Top 73.2% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 1.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.0% in tier
- - Credit Quality Pressure: Bottom 15.8% in tier
- - Credit Risk Growth: Bottom 24.3% in tier
- - Delinquency rate 0.03% above tier average
- - Members Per Employee (MPE): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
63,579
+2.3% YoY+0.5% QoQ
|
-35.1K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$1.1B
+2.8% YoY+1.5% QoQ
|
$-625.5M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.2% in tier |
| Loans |
$1.0B
+2.7% YoY+2.0% QoQ
|
$-209.5M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$957.6M
+7.5% YoY-0.9% QoQ
|
$-496.7M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-15.3% YoY+4.3% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
4.5%
+13.2% YoY+1.2% QoQ
|
+1.2% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
69.4%
+0.8% YoY-0.4% QoQ
|
-4.6% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.9%
+15.0% YoY+12.2% QoQ
|
+0.0 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
106.9%
-4.4% YoY+2.9% QoQ
|
+21.7% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 3.3% in tier |
| AMR |
$31,161
+2.6% YoY+0.1% QoQ
|
+$2K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
28.1%
+9.2% YoY+7.1% QoQ
|
-0.9% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
47% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% 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 (<20%). 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)