BlastPoint's Credit Union Scorecard

FIRST PACE

Charter #64089 · MN

2596 CUs in <100M nationally 38 in MN

FIRST PACE has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.27% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 1.54% below tier average
- Efficiency ratio 36.90% above tier (higher cost structure)
- Member decline: -2.0% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	914 -2.0% YoY-1.4% QoQ	-1.7K	2,625 -2.2% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	26%
Assets	$9.2M -1.7% YoY+0.4% QoQ	$-20.7M	$29.9M +1.1% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	31%
Loans	$5.4M -1.9% YoY-4.9% QoQ	$-10.4M	$15.8M -2.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	36%
Deposits	$7.4M -1.2% YoY+0.7% QoQ	$-18.0M	$25.5M +0.4% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	30%

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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	-0.9% -40.0% YoY+1.6% QoQ	-1.5%	0.7% -731.4% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	Bottom 6.2% in tier
NIM	4.2% +20.6% YoY+2.2% QoQ	+0.3%	3.9% +3.8% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	62%
Efficiency Ratio	118.3% -12.0% YoY-0.5% QoQ	+36.9%	81.4% -2.4% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	Top 4.5% in tier
Delinquency Rate	0.7% +18.8% YoY-23.4% QoQ	-0.8	1.5% -2.0% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	51%
Loan To Share	72.1% -0.7% YoY-5.6% QoQ	+10.9%	61.2% -3.0% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	66%
AMR	$14,021 +0.6% YoY-0.4% QoQ	$-606	$14,627 -2.7% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	52%
CD Concentration	18.7% -28.4% YoY-7.5% QoQ	-5.8%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

Top Weaknesses (2 metrics)

2481

Efficiency Ratio

profitability

Value: 118.30%

Peer Avg: -

#2481 of 2596 Bottom 4.5% in <100M tier

2436

Return on Assets (ROA)

profitability

Value: -0.86%

Peer Avg: -

#2436 of 2596 Bottom 6.2% in <100M tier