BlastPoint's Credit Union Scorecard

FIRST COMMUNITY

Charter #60103 · ND

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 1 in ND

View Mid-Market leaderboard →

FIRST COMMUNITY has 5 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Loan-to-Member Ratio (LMR): Top 2.6% in tier
+ Net Charge-Off Rate: Top 3.9% in tier
+ Average Member Relationship (AMR): Top 4.3% in tier
+ First Mortgage Concentration (%): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.3% in tier
- Efficiency Drag: Bottom 7.0% in tier
- Credit Risk Growth: Bottom 7.5% in tier
- Liquidity Strain: Bottom 25.2% in tier
- ROA 0.10% below tier average
- Efficiency ratio 6.56% above tier (higher cost structure)
- Delinquency rate 0.06% above tier average
- Members Per Employee (MPE): Bottom 0.7% in tier
- Total Members: Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	46,777 +0.1% YoY+0.2% QoQ	-51.9K	98,678 -1.9% YoY	7,412 -0.5% YoY	33,089 +6.1% YoY	Bottom 3.0% in tier
Assets	$1.5B +10.7% YoY+1.0% QoQ	$-230.7M	$1.7B +0.5% YoY	$201.0M +5.9% YoY	$547.7M +7.8% YoY	48%
Loans	$1.0B +4.8% YoY+1.0% QoQ	$-196.4M	$1.2B +0.5% YoY	$137.9M +2.5% YoY	$388.7M +8.6% YoY	42%
Deposits	$1.1B +5.4% YoY-0.3% QoQ	$-347.3M	$1.5B +1.3% YoY	$165.9M +4.4% YoY	$464.6M +9.3% YoY	32%

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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	0.6% +1.8% YoY+3.2% QoQ	-0.1%	0.7% +13.4% YoY	0.9% -6.7% YoY	0.7% +273.4% YoY	43%
NIM	2.8% +5.8% YoY-2.1% QoQ	-0.5%	3.3% +9.3% YoY	3.4% +7.4% YoY	3.7% +5.0% YoY	19%
Efficiency Ratio	80.5% -3.4% YoY-1.5% QoQ	+6.6%	74.0% -10.9% YoY	74.0% -24.8% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	0.9% +97.5% YoY+78.3% QoQ	+0.1	0.8% +6.1% YoY	0.9% -3.9% YoY	1.2% -0.9% YoY	68%
Loan To Share	93.6% -0.6% YoY+1.3% QoQ	+8.5%	85.2% -0.8% YoY	72.0% -4.4% YoY	68.0% -1.7% YoY	69%
AMR	$45,827 +4.9% YoY+0.1% QoQ	+$17K	$29,172 +2.8% YoY	$32,427 +3.2% YoY	$19,418 +1.3% YoY	Top 4.6% in tier
CD Concentration	32.2% -2.1% YoY-0.9% QoQ	+3.2%	29.0% +0.7% YoY	22.4% +2.4% YoY	19.6% +6.2% YoY	66%
Indirect Auto %	0.2% -59.3% YoY-23.5% QoQ	-18.6%	18.8% -3.0% YoY	1.1% -2.9% YoY	7.9% -2.9% YoY	Bottom 13.4% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#34 of 67 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.92%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $6.7K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#26 of 217 • Bottom 3.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk

#24 of 96 • Bottom 7.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.53%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.15%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Credit Risk Growth

risk

#43 of 161 • Bottom 7.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.77%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.44% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk

#133 of 183 • Bottom 25.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.65%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 4.77%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (6 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $22,162

Peer Avg: -

#9 of 304 Top 2.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $45,827

Peer Avg: -

#14 of 304 Top 4.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 14.46%

Peer Avg: -

#21 of 304 Top 6.6% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.68%

Peer Avg: -

#34 of 304 Top 10.9% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.19%

Peer Avg: -

#47 of 304 Top 15.1% in 1B-3B tier

Top Weaknesses (4 metrics)

303

Members Per Employee (MPE)

engagement

Value: 175.195

Peer Avg: -

#303 of 304 Bottom 0.7% in 1B-3B tier

295

Total Members

engagement

Value: 46,777

Peer Avg: -

#295 of 304 Bottom 3.3% in 1B-3B tier

246

Net Interest Margin (NIM)

profitability

Value: 2.77%

Peer Avg: -

#246 of 304 Bottom 19.4% in 1B-3B tier

233

Efficiency Ratio

profitability

Value: 80.53%

Peer Avg: -

#233 of 304 Bottom 23.7% in 1B-3B tier