BlastPoint's Credit Union Scorecard
FIRST CLASS COMMUNITY
Charter #64231 · IA
FIRST CLASS COMMUNITY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.7% in tier
- + Total Assets: Top 1.3% in tier
- + Fee Income Per Member: Top 5.3% in tier
- + Total Members: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Member decline: -6.4% YoY
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits -1.1% year over year ($85.7M in shares and deposits).
- Membership: 6,819 members, -6.4% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 1.22%.
- Efficiency ratio 73.43% vs a 88.77% peer average.
- Loan-to-share ratio 42.23% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,819
-6.4% YoY-0.7% QoQ
|
+4.2K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 5.6% in tier |
| Assets |
$95.8M
-0.1% YoY-0.8% QoQ
|
+$65.5M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
Top 1.4% in tier |
| Loans |
$36.2M
-4.7% YoY-0.6% QoQ
|
+$20.7M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 12.6% in tier |
| Deposits |
$85.7M
-1.1% YoY-0.4% QoQ
|
+$59.9M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Top 0.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
-4.8% YoY+15.5% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
3.9%
+15.1% YoY+2.1% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
73.4%
+0.8% YoY-0.7% QoQ
|
-15.3% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
0.4%
-64.7% YoY-6.2% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
42.2%
-3.7% YoY-0.2% QoQ
|
-16.7% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$17,880
+4.6% YoY+0.3% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
4.3%
-23.0% YoY-14.9% QoQ
|
-20.3% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
10.1%
-28.1% YoY-10.2% QoQ
|
-3.6% | 13.6% | 9.1% | 7.7% | 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)