BlastPoint's Credit Union Scorecard

FIRST CLASS COMMUNITY

Charter #64231 · IA

<100M

2508 CUs in <100M nationally 37 in IA

FIRST CLASS COMMUNITY has 5 strengths but faces 2 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 0.91% above tier average
+ Total Deposits: Top 0.5% in tier
+ Total Assets: Top 0.9% in tier
+ Fee Income Per Member: Top 5.1% in tier
+ Total Members: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Member decline: -6.0% YoY
- Indirect Auto Concentration (%): Bottom 8.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	6,870 -6.0% YoY-1.0% QoQ	+4.2K	2,676 +1.6% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	Top 5.5% in tier
Assets	$96.5M -0.4% YoY+3.5% QoQ	+$66.3M	$30.2M +1.3% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	Top 0.9% in tier
Loans	$36.4M -3.8% YoY-3.3% QoQ	+$21.1M	$15.3M -2.0% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	Top 12.4% in tier
Deposits	$86.1M -2.6% YoY+2.9% QoQ	+$60.3M	$25.8M +0.7% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	Top 0.6% in tier

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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	1.1% +58.5% YoY-23.0% QoQ	+0.9%	0.1% -77.6% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	71%
NIM	3.8% +16.5% YoY-2.0% QoQ	-0.2%	4.0% +4.0% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	73.9% -9.4% YoY+2.0% QoQ	-16.7%	90.6% +6.5% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	0.4% -66.1% YoY+21.6% QoQ	-1.1	1.5% +3.8% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	39%
Loan To Share	42.3% -1.3% YoY-6.0% QoQ	-16.2%	58.5% -3.0% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	25%
AMR	$17,835 +3.2% YoY+2.0% QoQ	+$3K	$14,884 -1.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	69%
CD Concentration	5.0% -3.1% YoY-8.1% QoQ	-19.3%	24.3%	21.8%	19.8%	50%
Indirect Auto %	11.2% -23.2% YoY-6.0% QoQ	-2.6%	13.8%	9.2%	7.7%	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 2508 peers in tier

Top Strengths (5 metrics)

Total Deposits

balance_sheet

Value: $86.10M

Peer Median: $18.77M

#14 of 2508 Top 0.5% in <100M tier

Total Assets

balance_sheet

Value: $96.52M

Peer Median: $21.86M

#23 of 2508 Top 0.9% in <100M tier

129

Fee Income Per Member

profitability

Value: $198.04

Peer Median: $60.42

#129 of 2508 Top 5.1% in <100M tier

139

Total Members

engagement

Value: 6,870

Peer Median: 1,918

#139 of 2508 Top 5.5% in <100M tier

310

Total Loans

balance_sheet

Value: $36.43M

Peer Median: $9.48M

#310 of 2508 Top 12.3% in <100M tier

Top Weaknesses (5 metrics)

2309

Indirect Auto Concentration (%)

balance_sheet

Value: 11.22%

Peer Median: 0.00%

#2309 of 2508 Bottom 8.0% in <100M tier

2167

Member Growth Rate

growth

Value: -5.95%

Peer Median: -1.37%

#2167 of 2508 Bottom 13.6% in <100M tier

2016

Net Worth Ratio

risk

Value: 10.36%

Peer Median: 14.28%

#2016 of 2508 Bottom 19.7% in <100M tier

1955

First Mortgage Concentration (%)

balance_sheet

Value: 28.39%

Peer Median: 3.66%

#1955 of 2508 Bottom 22.1% in <100M tier

1888

Loan-to-Share Ratio

balance_sheet

Value: 42.31%

Peer Median: 58.72%

#1888 of 2508 Bottom 24.8% in <100M tier