BlastPoint's Credit Union Scorecard

1ST GATEWAY

Charter #63124 · IA

1077 CUs in 100M-500M nationally 17 in IA

1ST GATEWAY has 3 strengths 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

+ Credit Quality Leader: Top 61.1% in tier
+ Net Interest Margin 0.53% above tier average
+ Loan-to-Share Ratio: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 18.8% in tier
- Liquidity Strain: Bottom 20.3% in tier
- Membership Headwinds: Bottom 27.8% in tier
- Indirect Auto Dependency: Bottom 30.1% in tier
- ROA 0.01% below tier average
- Efficiency ratio 2.37% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	10,479 -1.1% YoY+0.0% QoQ	-5.1K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	33%
Assets	$161.6M +1.7% YoY-2.5% QoQ	$-69.7M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	35%
Loans	$130.4M +2.7% YoY+3.7% QoQ	$-17.4M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	53%
Deposits	$138.0M +1.6% YoY-3.0% QoQ	$-62.3M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -3.2% YoY+9.5% QoQ	-0.0%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	51%
NIM	4.1% +1.1% YoY+3.1% QoQ	+0.5%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	79%
Efficiency Ratio	79.6% +0.5% YoY-0.8% QoQ	+2.4%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	60%
Delinquency Rate	0.3% -28.8% YoY+45.7% QoQ	-0.6	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	16%
Loan To Share	94.5% +1.1% YoY+6.9% QoQ	+21.8%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	Top 8.1% in tier
AMR	$25,620 +3.3% YoY+0.1% QoQ	+$1K	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	68%
CD Concentration	32.4% -0.4% YoY+2.9% QoQ	+8.0%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.5% -4.5% YoY+9.2% QoQ	+3.5%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#208 of 340 • Top 61.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.27%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.11% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#311 of 550 • Bottom 18.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.11%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.69%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.27%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Strain

risk

#158 of 258 • Bottom 20.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.50%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 2.69%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Membership Headwinds

decline

#458 of 550 • Bottom 27.8% in tier

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

Why This Signature

Member Growth (YoY): -1.11%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#484 of 525 • Bottom 30.1% in tier

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

Why This Signature

Asset Growth (YoY): 1.69%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.46%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.11%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY

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 1077 peers in tier

Top Strengths (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 94.50%

Peer Avg: -

#87 of 1077 Top 8.0% in 100M-500M tier

175

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Avg: -

#175 of 1077 Top 16.2% in 100M-500M tier

177

Net Worth Ratio

risk

Value: 14.72%

Peer Avg: -

#177 of 1077 Top 16.3% in 100M-500M tier

226

Net Interest Margin (NIM)

profitability

Value: 4.12%

Peer Avg: -

#226 of 1077 Top 20.9% in 100M-500M tier

228

Loan-to-Member Ratio (LMR)

engagement

Value: $12,447

Peer Avg: -

#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (4 metrics)

979

Members Per Employee (MPE)

engagement

Value: 222.957

Peer Avg: -

#979 of 1077 Bottom 9.2% in 100M-500M tier

912

First Mortgage Concentration (%)

balance_sheet

Value: 48.20%

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

849

Share Certificate Concentration (%)

balance_sheet

Value: 32.40%

Peer Avg: -

#849 of 1077 Bottom 21.3% in 100M-500M tier

825

Fee Income Per Member

profitability

Value: $115.98

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier