BlastPoint's Credit Union Scorecard
FIRSTMARK
Charter #62509 · TX
FIRSTMARK has 3 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 17.2% in tier
- + Net Interest Margin 0.07% above tier average
- + AMR Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 35.0% in tier
- - Indirect Auto Dependency: Bottom 35.4% in tier
- - Membership Headwinds: Bottom 35.7% in tier
- - Efficiency Drag: Bottom 50.6% in tier
- - Credit Quality Pressure: Bottom 62.9% in tier
- - Stagnation Risk: Bottom 71.4% in tier
- - ROA 1.11% below tier average
- - Efficiency ratio 15.64% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,054
-3.4% YoY+0.0% QoQ
|
-8.4K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$1.2B
+4.9% YoY+1.4% QoQ
|
$-485.2M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$782.4M
+10.5% YoY+1.7% QoQ
|
$-452.0M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.2% in tier |
| Deposits |
$1.1B
+6.9% YoY+1.6% QoQ
|
$-349.1M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
-0.4%
-560.2% YoY-785.1% QoQ
|
-1.1% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.3% in tier |
| NIM |
3.3%
+5.8% YoY+1.9% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
89.7%
+1.9% YoY+7.5% QoQ
|
+15.6% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
0.8%
+11.9% YoY+27.2% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
70.5%
+3.3% YoY+0.1% QoQ
|
-14.3% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$21,253
+12.1% YoY+1.6% QoQ
|
$-8K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.6% in tier |
| CD Concentration |
30.9%
+3.8% YoY+1.8% QoQ
|
+1.8% | 29.0% | 21.2% | 19.8% | 60% |
| Indirect Auto % |
30.6%
-7.5% YoY-3.7% QoQ
|
+12.3% | 18.3% | 7.1% | 7.8% | 78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)