BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #60103 · ND
FIRST COMMUNITY has 7 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 53.1% in tier
- + Wallet Share Momentum: Top 99.2% in tier
- + ROA 0.02% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
- + Average Member Relationship (AMR): Top 4.3% in tier
- + First Mortgage Concentration (%): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.0% in tier
- - Credit Risk Growth: Bottom 30.1% in tier
- - Liquidity Strain: Bottom 67.9% in tier
- - Efficiency ratio 3.76% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.7% in tier
- - Total Members: Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,751
+0.2% YoY-0.1% QoQ
|
-50.7K |
97,431
-2.4% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 2.6% in tier |
| Assets |
$1.5B
+9.3% YoY-2.5% QoQ
|
$-272.1M |
$1.7B
+0.9% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$1.1B
+6.8% YoY+1.5% QoQ
|
$-182.2M |
$1.2B
+0.5% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$1.1B
+4.1% YoY+1.7% QoQ
|
$-333.7M |
$1.5B
+0.9% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.7%
+11.5% YoY+17.1% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
2.9%
+7.6% YoY+4.6% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
77.8%
-4.3% YoY-3.4% QoQ
|
+3.8% |
74.1%
-9.5% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.6%
+85.3% YoY-36.8% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
93.5%
+2.6% YoY-0.2% QoQ
|
+8.7% |
84.8%
-0.8% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$46,585
+5.1% YoY+1.7% QoQ
|
+$17K |
$29,428
+2.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 4.6% in tier |
| CD Concentration |
31.6%
-1.3% YoY-1.8% QoQ
|
+2.6% | 29.0% | 22.6% | 19.8% | 63% |
| Indirect Auto % |
0.1%
-62.0% YoY-22.9% QoQ
|
-18.2% | 18.3% | 1.1% | 7.8% | Bottom 13.8% 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)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)