BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #60103 · ND
FIRST COMMUNITY has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does ND stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 28.5% in tier
- + Wallet Share Momentum: Top 28.5% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Net Charge-Off Rate: Top 3.7% in tier
- + First Mortgage Concentration (%): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.7% in tier
- - Credit Risk Growth: Bottom 22.3% in tier
- - Credit Quality Pressure: Bottom 32.3% in tier
- - Efficiency ratio 1.92% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.3% in tier
- - Total Members: Bottom 4.7% in tier
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 1 that size in North Dakota.
- Shares and deposits +2.1% year over year ($1.13B in shares and deposits).
- Membership: 46,875 members, +0.4% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 0.85%.
- Efficiency ratio 74.94% vs a 73.02% peer average.
- Loan-to-share ratio 100.18% 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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,875
+0.4% YoY+0.4% QoQ
|
-50.0K |
96,861
-1.9% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 4.3% in tier |
| Assets |
$1.5B
+3.6% YoY-0.1% QoQ
|
$-197.4M |
$1.7B
+0.4% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$1.1B
+10.7% YoY+4.3% QoQ
|
$-98.4M |
$1.2B
+0.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$1.1B
+2.1% YoY-1.3% QoQ
|
$-329.5M |
$1.5B
+0.5% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
0.8%
+45.1% YoY+18.7% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
3.2%
+12.1% YoY+3.2% QoQ
|
-0.3% |
3.4%
+6.6% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
74.9%
-8.4% YoY-4.0% QoQ
|
+1.9% |
73.0%
-2.7% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.6%
+23.4% YoY+28.9% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
100.2%
+8.3% YoY+5.6% QoQ
|
+15.5% |
84.7%
+0.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
Top 12.7% in tier |
| AMR |
$48,420
+5.8% YoY+1.0% QoQ
|
+$19K |
$29,575
+1.5% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 3.3% in tier |
| CD Concentration |
30.5%
-6.1% YoY+0.9% QoQ
|
+1.4% | 29.1% | 22.7% | 20.0% | 58% |
| Indirect Auto % |
0.1%
-65.5% YoY-25.0% QoQ
|
-18.0% | 18.1% | 1.2% | 7.7% | Top 12.5% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)