BlastPoint's Credit Union Scorecard
COMMUNITY 1ST
Charter #60079 · WA
COMMUNITY 1ST has 1 strength but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 1.0% in tier
- - Membership Headwinds: Bottom 2.4% in tier
- - Credit Quality Pressure: Bottom 10.2% in tier
- - Stagnation Risk: Bottom 14.7% in tier
- - Efficiency Drag: Bottom 19.3% in tier
- - ROA 0.79% below tier average
- - Efficiency ratio 18.82% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Member decline: -9.4% YoY
- - Loan Growth Rate: Bottom 0.8% in tier
- - Member Growth Rate: Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 5.0% in tier
- - Asset Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,027
-9.4% YoY-1.9% QoQ
|
-4.6K |
15,628
-3.4% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$191.0M
-3.3% YoY-0.8% QoQ
|
$-40.3M |
$231.3M
-0.0% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$110.5M
-16.7% YoY-4.6% QoQ
|
$-37.3M |
$147.8M
-1.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$163.4M
-3.6% YoY-0.9% QoQ
|
$-36.8M |
$200.3M
-0.0% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
0.0%
-100.0% YoY-83.7% QoQ
|
-0.8% |
0.8%
+15.5% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.0% in tier |
| NIM |
3.5%
-5.6% YoY+1.4% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
96.1%
+11.6% YoY+0.5% QoQ
|
+18.8% |
77.3%
-3.0% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
1.2%
+36.3% YoY+10.2% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
67.6%
-13.6% YoY-3.8% QoQ
|
-5.1% |
72.7%
-1.5% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$24,842
+0.1% YoY-0.5% QoQ
|
+$479 |
$24,363
+2.9% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
34.9%
+11.1% YoY-1.5% QoQ
|
+10.4% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.3%
-7.2% YoY-6.9% QoQ
|
-12.7% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)