BlastPoint's Credit Union Scorecard
FIRST PACE
Charter #64089 · MN
FIRST PACE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.57% below tier average
- - Efficiency ratio 31.76% above tier (higher cost structure)
- - Member decline: -3.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
904
-3.0% YoY-1.1% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$9.0M
-2.0% YoY-1.7% QoQ
|
$-21.1M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$5.7M
+0.6% YoY+6.4% QoQ
|
$-10.0M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$7.3M
-1.2% YoY-1.7% QoQ
|
$-18.4M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
-0.9%
+61.6% YoY+10.1% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.0% in tier |
| NIM |
4.3%
+20.4% YoY+2.7% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
114.3%
-1.3% YoY-3.4% QoQ
|
+31.8% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
78.1%
+1.8% YoY+8.3% QoQ
|
+17.5% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$14,421
+2.7% YoY+2.8% QoQ
|
$-362 |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
19.0%
-25.5% YoY+2.1% QoQ
|
-5.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)