BlastPoint's Credit Union Scorecard
FIRST ALLIANCE
Charter #62872 · MN
FIRST ALLIANCE has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.96% above tier average
- + Net Interest Margin 1.98% above tier average
- + Asset Growth Rate: Top 0.8% in tier
- + Deposit Growth Rate: Top 1.5% in tier
- + AMR Growth Rate: Top 6.3% in tier
- + Loan Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.31% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits +20.2% year over year ($296M in shares and deposits).
- Membership: 21,902 members, +4.4% vs a year ago.
- Delinquency rate 1.19%.
- Return on assets 1.83%.
- Efficiency ratio 69.25% vs a 76.73% peer average.
- Loan-to-share ratio 87.30% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,902
+4.4% YoY+1.1% QoQ
|
+6.7K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$358.5M
+26.1% YoY+7.0% QoQ
|
+$126.5M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$258.4M
+13.8% YoY+4.6% QoQ
|
+$112.2M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
Top 11.5% in tier |
| Deposits |
$296.0M
+20.2% YoY+2.8% QoQ
|
+$95.3M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
1.8%
+878.9% YoY-37.8% QoQ
|
+1.0% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Top 5.8% in tier |
| NIM |
5.7%
+18.6% YoY-19.3% QoQ
|
+2.0% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
69.3%
-16.8% YoY+14.6% QoQ
|
-7.5% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
1.2%
-16.4% YoY-6.5% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
87.3%
-5.3% YoY+1.7% QoQ
|
+15.8% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$25,314
+12.1% YoY+2.5% QoQ
|
+$207 |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
15.8%
-3.9% YoY+10.0% QoQ
|
-8.8% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
15.5%
+0.5% YoY-2.2% QoQ
|
+1.9% | 13.6% | 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)