BlastPoint's Credit Union Scorecard
FIRST CLASS COMMUNITY
Charter #64231 · IA
FIRST CLASS COMMUNITY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Total Deposits: Top 1.1% in tier
- + Total Assets: Top 2.0% in tier
- + Fee Income Per Member: Top 2.3% in tier
- + Total Members: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,253
-1.4% YoY-0.5% QoQ
|
+4.6K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Top 5.3% in tier |
| Assets |
$94.5M
+2.1% YoY-1.4% QoQ
|
+$64.7M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Top 2.0% in tier |
| Loans |
$38.3M
+3.5% YoY+0.8% QoQ
|
+$22.5M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Top 11.6% in tier |
| Deposits |
$84.6M
+0.4% YoY-2.4% QoQ
|
+$59.1M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 1.1% in tier |
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| ROA |
1.4%
+218.6% YoY+10.6% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
3.5%
+25.0% YoY+3.8% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
71.4%
-17.9% YoY-2.0% QoQ
|
-10.0% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.4%
-59.9% YoY-59.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
45.3%
+3.1% YoY+3.3% QoQ
|
-15.9% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$16,940
+2.7% YoY-0.9% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
5.4%
-6.5% YoY-3.2% QoQ
|
-19.0% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.0%
-19.1% YoY-7.1% QoQ
|
-1.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
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)