BlastPoint's Credit Union Scorecard

1ST GATEWAY

Charter #63124 · IA

100M-500M

1069 CUs in 100M-500M nationally 17 in IA

1ST GATEWAY has 1 strength but faces 7 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.25% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 7.24% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 8.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	10,362 -0.8% YoY-1.1% QoQ	-5.1K	15,437 -2.9% YoY	24,743 -0.2% YoY	33,374 +5.7% YoY	33%
Assets	$168.7M +2.7% YoY+4.4% QoQ	$-63.2M	$231.9M +1.3% YoY	$526.3M +6.5% YoY	$561.6M +9.7% YoY	38%
Loans	$129.0M +3.5% YoY-1.1% QoQ	$-18.3M	$147.3M -0.1% YoY	$422.1M +6.5% YoY	$397.0M +8.8% YoY	53%
Deposits	$144.5M +2.8% YoY+4.7% QoQ	$-56.3M	$200.8M +0.8% YoY	$432.9M +5.9% YoY	$477.3M +9.7% 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	0.5% -1.6% YoY-33.5% QoQ	-0.2%	0.8% +18.2% YoY	0.9% +6.1% YoY	0.7% +15.9% YoY	33%
NIM	3.9% +2.2% YoY-6.4% QoQ	+0.2%	3.6% +6.7% YoY	3.9% +6.4% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	84.3% -0.3% YoY+5.8% QoQ	+7.2%	77.0% -3.1% YoY	74.3% -0.8% YoY	79.7% -3.3% YoY	76%
Delinquency Rate	0.2% -65.3% YoY-18.9% QoQ	-0.7	0.9% +4.2% YoY	1.4% +32.5% YoY	1.3% -2.1% YoY	Top 10.7% in tier
Loan To Share	89.3% +0.7% YoY-5.5% QoQ	+17.1%	72.2% -1.1% YoY	76.3% -0.8% YoY	67.4% -1.7% YoY	84%
AMR	$26,396 +3.9% YoY+3.0% QoQ	+$2K	$24,676 +3.4% YoY	$21,029 +4.7% YoY	$19,687 +2.0% YoY	69%
CD Concentration	32.1% -3.5% YoY-0.8% QoQ	+7.7%	24.4%	22.0%	19.8%	50%
Indirect Auto %	17.7% +3.3% YoY+1.3% QoQ	+3.9%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#56 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.25%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.01% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#458 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.72%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 17.68%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#518 of 554 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#538 of 554 • Bottom 50.0% 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): -0.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.51%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.22%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

115

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: -

#115 of 1069 Top 10.7% in 100M-500M tier

170

Loan-to-Share Ratio

balance_sheet

Value: 89.29%

Peer Median: -

#170 of 1069 Top 15.8% in 100M-500M tier

227

Loan-to-Member Ratio (LMR)

engagement

Value: $12,451

Peer Median: -

#227 of 1069 Top 21.1% in 100M-500M tier

249

Net Worth Ratio

risk

Value: 13.84%

Peer Median: -

#249 of 1069 Top 23.2% in 100M-500M tier

Top Weaknesses (5 metrics)

977

Members Per Employee (MPE)

engagement

Value: 220.468

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

891

First Mortgage Concentration (%)

balance_sheet

Value: 47.68%

Peer Median: -

#891 of 1069 Bottom 16.7% in 100M-500M tier

835

Share Certificate Concentration (%)

balance_sheet

Value: 32.14%

Peer Median: -

#835 of 1069 Bottom 22.0% in 100M-500M tier

830

Fee Income Per Member

profitability

Value: $116.04

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier

813

Efficiency Ratio

profitability

Value: 84.25%

Peer Median: -

#813 of 1069 Bottom 24.0% in 100M-500M tier