BlastPoint's Credit Union Scorecard
FIRST ALLIANCE
Charter #62872 · MN
FIRST ALLIANCE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 35.5% in tier
- + Organic Growth Engine: Top 69.7% in tier
- + Net Interest Margin 1.14% above tier average
- + Asset Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.4% in tier
- - Credit Quality Pressure: Bottom 24.0% in tier
- - Liquidity Strain: Bottom 59.5% in tier
- - Indirect Auto Dependency: Bottom 68.9% in tier
- - Efficiency Drag: Bottom 89.9% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 4.38% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,351
+3.4% YoY+0.5% QoQ
|
+5.9K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$301.0M
+11.3% YoY+3.6% QoQ
|
+$69.1M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$235.9M
+8.6% YoY+1.8% QoQ
|
+$88.6M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$254.9M
+8.3% YoY+1.9% QoQ
|
+$54.1M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.5%
-35.9% YoY+29.5% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
4.7%
+1.8% YoY-1.7% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
81.4%
+2.8% YoY-0.6% QoQ
|
+4.4% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
1.5%
+35.5% YoY+14.2% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 12.8% in tier |
| Loan To Share |
92.5%
+0.3% YoY-0.1% QoQ
|
+20.3% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 10.3% in tier |
| AMR |
$22,989
+4.8% YoY+1.4% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
15.6%
+7.6% YoY-8.3% QoQ
|
-8.9% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
15.9%
+12.3% YoY-1.3% QoQ
|
+2.1% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)