BlastPoint's Credit Union Scorecard
COMMUNITY FIRST
Charter #61094 · OH
COMMUNITY FIRST demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.4% in tier
- + Total Deposits: Top 2.2% in tier
- + Total Loans: Top 7.1% in tier
- + Average Member Relationship (AMR): Top 7.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,002
-1.9% YoY-0.6% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 13.8% in tier |
| Assets |
$96.4M
+2.9% YoY+0.9% QoQ
|
+$66.2M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 1.4% in tier |
| Loans |
$46.4M
+10.4% YoY+3.7% QoQ
|
+$30.6M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 7.2% in tier |
| Deposits |
$82.1M
+2.0% YoY+0.8% QoQ
|
+$56.4M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 2.2% in tier |
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| ROA |
0.8%
+154.5% YoY+17.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.6%
+17.9% YoY+2.6% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
78.9%
-9.6% YoY-2.7% QoQ
|
-3.7% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.3%
+168.8% YoY-14.9% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
56.5%
+8.3% YoY+2.9% QoQ
|
-4.2% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$25,683
+6.9% YoY+2.5% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 7.4% in tier |
| CD Concentration |
17.3%
+13.5% YoY+3.5% QoQ
|
-7.2% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)