BlastPoint's Credit Union Scorecard
COMMUNITY FIRST
Charter #61094 · OH
COMMUNITY FIRST has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 0.1% in tier
- + Total Deposits: Top 0.9% in tier
- + Net Charge-Off Rate: Top 3.9% in tier
- + Total Loans: Top 6.2% in tier
- + Average Member Relationship (AMR): Top 6.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.14% above tier average
- - Member decline: -2.8% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits +2.2% year over year ($85.1M in shares and deposits).
- Membership: 4,919 members, -2.8% vs a year ago.
- Delinquency rate 1.69%.
- Return on assets 1.45%.
- Efficiency ratio 70.39% vs a 88.77% peer average.
- Loan-to-share ratio 55.93% vs a 58.89% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,919
-2.8% YoY-0.7% QoQ
|
+2.3K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Top 14.0% in tier |
| Assets |
$99.8M
+2.9% YoY+1.2% QoQ
|
+$69.6M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Top 0.1% in tier |
| Loans |
$47.6M
+10.1% YoY+2.1% QoQ
|
+$32.2M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Top 6.3% in tier |
| Deposits |
$85.1M
+2.2% YoY+1.2% QoQ
|
+$59.3M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Top 1.0% in tier |
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| ROA |
1.5%
+147.6% YoY+11.1% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
3.9%
+14.0% YoY+2.1% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
70.4%
-14.8% YoY-2.9% QoQ
|
-18.4% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
1.7%
+134.8% YoY+39.2% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
55.9%
+7.7% YoY+0.9% QoQ
|
-3.0% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$26,988
+7.9% YoY+2.3% QoQ
|
+$12K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Top 6.4% in tier |
| CD Concentration |
18.7%
+26.7% YoY+10.6% QoQ
|
-5.9% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 7.7% | 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)