FIRSTMARK
Charter #62509 | TX
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
26 1B-3B in TX
FIRSTMARK has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 3.7% in tier
- + Relationship Depth Leader: Top 5.7% in tier
- + Emerging Performer: Top 34.2% in tier
- + Net Interest Margin 0.02% above tier average
- + AMR Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 8.8% in tier
- - Efficiency Drag: Bottom 12.2% in tier
- - Indirect Auto Dependency: Bottom 13.8% in tier
- - Membership Headwinds: Bottom 17.2% in tier
- - Credit Quality Pressure: Bottom 17.2% in tier
- - Stagnation Risk: Bottom 33.9% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 9.44% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,026
-2.6% YoY+0.1% QoQ
|
-9.7K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
51st in tier |
| Assets |
$1.2B
+1.7% YoY-0.7% QoQ
|
$-498.7M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 23.7% in tier |
| Loans |
$769.2M
+10.9% YoY+4.2% QoQ
|
$-463.9M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.2% in tier |
| Deposits |
$1.1B
+5.0% YoY-0.4% QoQ
|
$-361.8M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
29th in tier |
| ROA |
0.1%
-189.5% YoY-38.1% QoQ
|
-0.6% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.3% in tier |
| NIM |
3.3%
+5.4% YoY+2.7% QoQ
|
+0.0% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
52nd in tier |
| Efficiency Ratio |
83.4%
-7.8% YoY-2.6% QoQ
|
+9.4% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 12.5% in tier |
| Delinquency Rate |
0.6%
+17.5% YoY+3.3% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
47th in tier |
| Loan To Share |
70.4%
+5.6% YoY+4.6% QoQ
|
-14.8% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 15.5% in tier |
| AMR |
$20,912
+10.2% YoY+1.4% QoQ
|
$-8K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
30.3%
+4.1% YoY-0.8% QoQ
|
+1.4% |
29.0%
+0.8% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
59th in tier |
| Indirect Auto % |
31.8%
-0.3% YoY-5.4% QoQ
|
+13.0% |
18.8%
-2.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Top 21.6% in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growth
#28 of 264 • Top 3.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
10.23%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#42 of 264 • Top 5.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
10.23%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$2.9K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Emerging Performer
growth
#182 of 184 • Top 34.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.06%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
-2.64%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
New qualifier
Concerns (6)
Growth-at-Risk
risk
#50 of 161 • Bottom 8.8% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
10.86%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.10% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
New qualifier
Efficiency Drag
risk
#41 of 96 • Bottom 12.2% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
83.42%
(Tier:
73.45%, National:
79.10%)
ROA Change (YoY):
0.13% points
(Tier:
0.07% points, National:
0.05% points)
Member Growth (YoY):
-2.64%
(Tier:
3.18%, National:
9.37%)
96 of 380 Mid-Market CUs have this signature
| 624 nationally
↓ Shrinking
-32 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#86 of 202 • Bottom 13.8% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
1.68%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
31.79%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
-2.64%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#42 of 85 • Bottom 17.2% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.64%
(Tier:
3.18%, National:
9.37%)
85 of 380 Mid-Market CUs have this signature
| 648 nationally
↑ Growing
+6 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#133 of 217 • Bottom 17.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.10% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
New qualifier
Stagnation Risk
risk
#82 of 85 • Bottom 33.9% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.06%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
-2.64%
(Tier:
3.18%, National:
9.37%)
Avg Member Relationship:
$20.9K
(Tier: $29.2K, National: $19.4K)
CD Concentration:
30.35%
(Tier:
28.98%, National:
19.60%)
85 of 380 Mid-Market CUs have this signature
| 648 nationally
↑ Growing
+6 CUs YoY
|
New qualifier
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)
Top Strengths (2 metrics)
25
AMR Growth Rate
growth
Value:
10.23%
Peer Avg: 3.29%
#25 of 304
Top 7.9% in 1B-3B tier
51
Loan Growth Rate
growth
Value:
10.86%
Peer Avg: 5.27%
#51 of 304
Top 16.4% in 1B-3B tier
Top Weaknesses (10 metrics)
294
Return on Assets (ROA)
profitability
Value:
0.06%
Peer Avg: 0.70%
#294 of 304
Bottom 3.6% in 1B-3B tier
279
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,640
Peer Avg: $13,213
#279 of 304
Bottom 8.6% in 1B-3B tier
272
Average Member Relationship (AMR)
engagement
Value:
$20,912
Peer Avg: $29,172
#272 of 304
Bottom 10.9% in 1B-3B tier
267
Efficiency Ratio
profitability
Value:
83.42%
Peer Avg: 73.97%
#267 of 304
Bottom 12.5% in 1B-3B tier
264
Member Growth Rate
growth
Value:
-2.64%
Peer Avg: 2.20%
#264 of 304
Bottom 13.5% in 1B-3B tier
264
Total Loans
balance_sheet
Value:
$769.19M
Peer Avg: $1.23B
#264 of 304
Bottom 13.5% in 1B-3B tier
257
Loan-to-Share Ratio
balance_sheet
Value:
70.41%
Peer Avg: 85.19%
#257 of 304
Bottom 15.8% in 1B-3B tier
242
Indirect Auto Concentration (%)
balance_sheet
Value:
31.79%
Peer Avg: 18.32%
#242 of 304
Bottom 20.7% in 1B-3B tier
237
Net Charge-Off Rate
risk
Value:
0.87%
Peer Avg: 0.60%
#237 of 304
Bottom 22.4% in 1B-3B tier
232
Total Assets
balance_sheet
Value:
$1.22B
Peer Avg: $1.72B
#232 of 304
Bottom 24.0% in 1B-3B tier