BlastPoint's Credit Union Scorecard
FIRST ALLIANCE
Charter #62872 · MN
FIRST ALLIANCE has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 2.21% above tier average
- + Net Interest Margin 3.39% above tier average
- + Asset Growth Rate: Top 1.7% in tier
- + Deposit Growth Rate: Top 2.1% in tier
- + Efficiency Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,663
+4.3% YoY+1.5% QoQ
|
+6.5K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$335.0M
+19.6% YoY+11.3% QoQ
|
+$103.3M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$247.0M
+11.4% YoY+4.7% QoQ
|
+$102.9M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
Top 13.4% in tier |
| Deposits |
$287.8M
+16.9% YoY+12.9% QoQ
|
+$86.7M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
2.9%
-1030.7% YoY+481.3% QoQ
|
+2.2% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Top 0.5% in tier |
| NIM |
7.0%
+48.4% YoY+48.0% QoQ
|
+3.4% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
60.4%
-28.9% YoY-25.8% QoQ
|
-17.6% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
1.3%
-7.7% YoY-17.1% QoQ
|
+0.5 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.9% in tier |
| Loan To Share |
85.8%
-4.6% YoY-7.3% QoQ
|
+15.4% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
80% |
| AMR |
$24,690
+9.5% YoY+7.4% QoQ
|
$-229 |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
14.4%
-10.6% YoY-7.7% QoQ
|
-9.9% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
15.9%
+8.3% YoY+0.2% QoQ
|
+2.1% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)