BlastPoint's Credit Union Scorecard

1ST GATEWAY

Charter #63124 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

1ST GATEWAY has 2 strengths but faces 6 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

+ ROA 0.09% above tier average
+ Net Interest Margin 0.42% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency ratio 2.77% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 9.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	10,317 -1.4% YoY-0.4% QoQ	-4.8K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	34%
Assets	$171.9M +3.2% YoY+1.9% QoQ	$-59.8M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	40%
Loans	$127.9M +3.2% YoY-0.9% QoQ	$-16.2M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	53%
Deposits	$147.5M +2.7% YoY+2.1% QoQ	$-53.7M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	40%

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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	0.8% +29.5% YoY+57.3% QoQ	+0.1%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	58%
NIM	4.0% +3.7% YoY+5.1% QoQ	+0.4%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	80.8% +1.0% YoY-4.1% QoQ	+2.8%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	0.2% -58.4% YoY-7.8% QoQ	-0.6	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	Top 13.6% in tier
Loan To Share	86.7% +0.5% YoY-2.9% QoQ	+16.3%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	82%
AMR	$26,692 +4.4% YoY+1.1% QoQ	+$2K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	69%
CD Concentration	31.8% -1.6% YoY-1.1% QoQ	+7.5%	24.3%	21.8%	19.8%	50%
Indirect Auto %	16.7% +3.0% YoY-5.5% QoQ	+2.9%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#417 of 596 • 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: 80.79%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.19% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.37%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Membership Headwinds

decline

#446 of 570 • 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): -1.37%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#428 of 504 • 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): 3.24%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.71%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.37%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Stagnation Risk

risk

#523 of 570 • 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): -1.37%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.20%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.20%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (6 metrics)

146

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.61%

#146 of 1070 Top 13.6% in 100M-500M tier

188

Loan-to-Share Ratio

balance_sheet

Value: 86.73%

Peer Median: 71.88%

#188 of 1070 Top 17.5% in 100M-500M tier

232

Loan-to-Member Ratio (LMR)

engagement

Value: $12,397

Peer Median: $9,356

#232 of 1070 Top 21.6% in 100M-500M tier

236

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.35%

#236 of 1070 Top 22.0% in 100M-500M tier

248

Net Worth Ratio

risk

Value: 13.79%

Peer Median: 11.45%

#248 of 1070 Top 23.1% in 100M-500M tier

255

Net Interest Margin (NIM)

profitability

Value: 4.05%

Peer Median: 3.62%

#255 of 1070 Top 23.7% in 100M-500M tier

Top Weaknesses (3 metrics)

965

Members Per Employee (MPE)

engagement

Value: 224.283

Peer Median: 309.176

#965 of 1070 Bottom 9.9% in 100M-500M tier

896

First Mortgage Concentration (%)

balance_sheet

Value: 48.36%

Peer Median: 29.47%

#896 of 1070 Bottom 16.4% in 100M-500M tier

827

Share Certificate Concentration (%)

balance_sheet

Value: 31.78%

Peer Median: 23.10%

#827 of 1070 Bottom 22.8% in 100M-500M tier