BlastPoint's Credit Union Scorecard

CITY OF FIRSTS COMMUNITY

Charter #3012 · IN

<100M

2508 CUs in <100M nationally 80 in IN

CITY OF FIRSTS COMMUNITY faces 3 concerns requiring attention

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.15% below tier average
- Efficiency ratio 10.68% above tier (higher cost structure)
- Member decline: -3.2% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	3,550 -3.2% YoY-0.5% QoQ	+873	2,676 +1.6% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	75%
Assets	$40.1M +7.3% YoY+7.4% QoQ	+$9.9M	$30.2M +1.3% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	69%
Loans	$10.5M -5.4% YoY-3.1% QoQ	$-4.8M	$15.3M -2.0% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	53%
Deposits	$36.1M +8.8% YoY+8.7% QoQ	+$10.4M	$25.8M +0.7% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	71%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.0% -99.1% YoY-108.3% QoQ	-0.2%	0.1% -77.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	21%
NIM	3.6% +0.6% YoY-7.3% QoQ	-0.4%	4.0% +4.0% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	101.3% -15.4% YoY+9.2% QoQ	+10.7%	90.6% +6.5% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	Bottom 14.6% in tier
Delinquency Rate	0.1% -87.9% YoY-39.3% QoQ	-1.4	1.5% +3.8% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	25%
Loan To Share	29.1% -13.0% YoY-10.8% QoQ	-29.4%	58.5% -3.0% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	Bottom 10.7% in tier
AMR	$13,144 +8.7% YoY+6.3% QoQ	$-2K	$14,884 -1.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	46%
CD Concentration	5.8% +20.8% YoY-14.2% QoQ	-18.5%	24.3%	18.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

263

Deposit Growth Rate

growth

Value: 8.75%

Peer Median: 0.66%

#263 of 2508 Top 10.4% in <100M tier

312

AMR Growth Rate

growth

Value: 8.71%

Peer Median: 1.27%

#312 of 2508 Top 12.4% in <100M tier

348

Asset Growth Rate

growth

Value: 7.31%

Peer Median: 1.30%

#348 of 2508 Top 13.8% in <100M tier

Top Weaknesses (5 metrics)

2237

Loan-to-Share Ratio

balance_sheet

Value: 29.09%

Peer Median: 58.72%

#2237 of 2508 Bottom 10.8% in <100M tier

2142

Efficiency Ratio

profitability

Value: 101.31%

Peer Median: 81.45%

#2142 of 2508 Bottom 14.6% in <100M tier

2128

Net Worth Ratio

risk

Value: 9.72%

Peer Median: 14.28%

#2128 of 2508 Bottom 15.2% in <100M tier

1985

Return on Assets (ROA)

profitability

Value: -0.01%

Peer Median: 0.61%

#1985 of 2508 Bottom 20.9% in <100M tier

1897

Loan-to-Member Ratio (LMR)

engagement

Value: $2,962

Peer Median: $4,923

#1897 of 2508 Bottom 24.4% in <100M tier