BlastPoint's Credit Union Scorecard

FIRSTMARK

Charter #62509 · TX

Mid-Market 1B-3B

Firstmark at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Firstmark is one of 101 credit unions in the 2026 VentureTech card set. We also found Firstmark's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Firstmark

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FIRSTMARK
PEER · AT VENTURETECH
PEER · AT VENTURETECH
FIRSTMARK'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 27 in TX

View Mid-Market leaderboard →

FIRSTMARK has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 6.5% in tier
+ Net Interest Margin 0.10% above tier average
+ AMR Growth Rate: Top 6.7% in tier
+ Loan Growth Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.3% in tier
- Credit Quality Pressure: Bottom 39.5% in tier
- Indirect Auto Dependency: Bottom 53.2% in tier
- Membership Headwinds: Bottom 90.3% in tier
- Stagnation Risk: Bottom 90.3% in tier
- ROA 0.12% below tier average
- Efficiency ratio 1.74% above tier (higher cost structure)
- Member decline: -3.0% YoY

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	86,300 -3.0% YoY-3.1% QoQ	-10.6K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	49%
Assets	$1.3B +5.0% YoY+1.3% QoQ	$-433.8M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	30%
Loans	$848.0M +14.9% YoY+5.9% QoQ	$-386.2M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	21%
Deposits	$1.2B +5.8% YoY+0.9% QoQ	$-303.7M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +597.2% YoY+2.6% QoQ	-0.1%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	42%
NIM	3.5% +10.2% YoY-0.4% QoQ	+0.1%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	56%
Efficiency Ratio	74.8% -12.7% YoY-0.6% QoQ	+1.7%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	55%
Delinquency Rate	0.7% +12.0% YoY-1.5% QoQ	-0.2	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	51%
Loan To Share	73.1% +8.6% YoY+4.9% QoQ	-11.6%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	18%
AMR	$23,264 +12.8% YoY+6.3% QoQ	$-6K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	20%
CD Concentration	33.4% +9.0% YoY+1.6% QoQ	+4.3%	29.1%	21.6%	20.0%	70%
Indirect Auto %	26.0% -22.6% YoY-10.3% QoQ	+7.9%	18.1%	6.9%	7.7%	72%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#24 of 125 • Top 6.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.80%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank improving

Concerns (5)

Credit Risk Growth

risk

#50 of 170 • Bottom 8.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 14.86%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Membership Headwinds

decline

#37 of 86 • Bottom 90.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.00%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#85 of 193 • Bottom 53.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.02%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 26.03%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.00%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#147 of 215 • Bottom 39.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Stagnation Risk

risk

#65 of 86 • Bottom 90.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.00%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 14.86%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.70%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (2 metrics)

AMR Growth Rate

growth

Value: 12.80%

Peer Median: 3.19%

#21 of 300 Top 6.7% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.86%

Peer Median: 5.71%

#23 of 300 Top 7.3% in 1B-3B tier

Top Weaknesses (7 metrics)

269

Member Growth Rate

growth

Value: -3.00%

Peer Median: 1.84%

#269 of 300 Bottom 10.7% in 1B-3B tier

256

Loan-to-Member Ratio (LMR)

engagement

Value: $9,826

Peer Median: $12,809

#256 of 300 Bottom 15.0% in 1B-3B tier

247

Loan-to-Share Ratio

balance_sheet

Value: 73.13%

Peer Median: 87.07%

#247 of 300 Bottom 18.0% in 1B-3B tier

241

Average Member Relationship (AMR)

engagement

Value: $23,264

Peer Median: $28,089

#241 of 300 Bottom 20.0% in 1B-3B tier

240

Net Charge-Off Rate

risk

Value: 0.89%

Peer Median: 0.52%

#240 of 300 Bottom 20.3% in 1B-3B tier

238

Net Worth Ratio

risk

Value: 9.62%

Peer Median: 10.91%

#238 of 300 Bottom 21.0% in 1B-3B tier

238

Total Loans

balance_sheet

Value: $848.02M

Peer Median: $1.14B

#238 of 300 Bottom 21.0% in 1B-3B tier