BlastPoint's Credit Union Scorecard

FIRST PRIORITY

Charter #66593 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

FIRST PRIORITY has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Strong member growth: 16.6% YoY
+ Member Growth Rate: Top 2.4% in tier
+ Total Delinquency Rate (60+ days): Top 6.9% in tier
+ Net Charge-Off Rate: Top 7.3% in tier
+ Loan-to-Member Ratio (LMR): Top 7.4% in tier
+ Average Member Relationship (AMR): Top 7.5% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.41% below tier average
- Efficiency ratio 13.64% above tier (higher cost structure)
- AMR Growth Rate: Bottom 1.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	5,861 +16.6% YoY-5.1% QoQ	-9.3K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Bottom 5.6% in tier
Assets	$143.2M +5.7% YoY-0.1% QoQ	$-88.5M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	27%
Loans	$97.0M +6.0% YoY+0.1% QoQ	$-47.1M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	35%
Deposits	$124.1M +4.4% YoY-0.2% QoQ	$-77.0M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	28%

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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	0.3% +47.8% YoY-16.4% QoQ	-0.4%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	24%
NIM	3.4% +0.7% YoY+1.1% QoQ	-0.2%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	91.7% -2.3% YoY+2.6% QoQ	+13.6%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 11.9% in tier
Delinquency Rate	0.1% -4.7% QoQ	-0.7	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Top 6.9% in tier
Loan To Share	78.2% +1.5% YoY+0.2% QoQ	+7.8%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	63%
AMR	$37,725 -9.8% YoY+5.4% QoQ	+$13K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 7.6% in tier
CD Concentration	18.7% +25.5% YoY+6.9% QoQ	-5.6%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#15 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 16.57%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#101 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 16.57%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.32%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#21 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -9.82%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Efficiency Drag

risk

#246 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.67%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 16.57%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Wealth Migration Risk

decline

#9 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $37.7K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -9.82%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | New qualifier

Credit Risk Growth

risk

#313 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.99%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#503 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 16.57%

Peer Median: -0.06%

#27 of 1070 Top 2.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.61%

#75 of 1070 Top 6.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: 0.35%

#79 of 1070 Top 7.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,552

Peer Median: $9,356

#80 of 1070 Top 7.4% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $37,725

Peer Median: $22,931

#81 of 1070 Top 7.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1051

AMR Growth Rate

growth

Value: -9.82%

Peer Median: 3.46%

#1051 of 1070 Bottom 1.9% in 100M-500M tier

1025

Members Per Employee (MPE)

engagement

Value: 202.103

Peer Median: 309.176

#1025 of 1070 Bottom 4.3% in 100M-500M tier

1012

First Mortgage Concentration (%)

balance_sheet

Value: 61.02%

Peer Median: 29.47%

#1012 of 1070 Bottom 5.5% in 100M-500M tier

1010

Total Members

engagement

Value: 5,861

Peer Median: 13,200

#1010 of 1070 Bottom 5.7% in 100M-500M tier

944

Efficiency Ratio

profitability

Value: 91.67%

Peer Median: 78.68%

#944 of 1070 Bottom 11.9% in 100M-500M tier

904

Fee Income Per Member

profitability

Value: $93.28

Peer Median: $154.95

#904 of 1070 Bottom 15.6% in 100M-500M tier

812

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: 0.69%

#812 of 1070 Bottom 24.2% in 100M-500M tier