BlastPoint's Credit Union Scorecard
FIRST AREA
Charter #61756 · MI
FIRST AREA faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 6.23% above tier (higher cost structure)
- - Member decline: -9.6% YoY
- - Member Growth Rate: Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,872
-9.6% YoY-0.8% QoQ
|
+256 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$38.5M
-3.9% YoY+3.2% QoQ
|
+$8.4M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$17.8M
+4.6% YoY+0.4% QoQ
|
+$2.0M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$35.4M
-5.3% YoY+3.3% QoQ
|
+$9.7M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.5%
-354.5% YoY+6.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.2%
+27.4% YoY+2.4% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
88.8%
-16.4% YoY-0.9% QoQ
|
+6.2% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.3%
-7.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
50.3%
+10.5% YoY-2.8% QoQ
|
-10.3% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$18,514
+8.2% YoY+3.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
14.2%
-14.6% YoY-3.5% QoQ
|
-10.2% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
3.7%
-33.7% YoY-11.8% QoQ
|
-10.1% | 13.8% | 11.8% | 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)