BlastPoint's Credit Union Scorecard

FIRST PRIORITY

Charter #66593 · MA

100M-500M

1069 CUs in 100M-500M nationally 32 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: 20.9% YoY
+ Member Growth Rate: Top 2.1% in tier
+ Total Delinquency Rate (60+ days): Top 5.0% in tier
+ Net Charge-Off Rate: Top 6.1% in tier
+ Average Member Relationship (AMR): Top 8.2% in tier
+ Loan-to-Member Ratio (LMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.38% below tier average
- Efficiency ratio 12.36% above tier (higher cost structure)
- AMR Growth Rate: Bottom 1.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	6,178 +20.9% YoY-2.2% QoQ	-9.3K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	Bottom 6.7% in tier
Assets	$143.3M +11.0% YoY+6.9% QoQ	$-88.5M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	27%
Loans	$96.9M +8.5% YoY+1.9% QoQ	$-50.4M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	33%
Deposits	$124.3M +10.6% YoY+7.9% QoQ	$-76.5M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% 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	0.4% -4.5% YoY+4.1% QoQ	-0.4%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	24%
NIM	3.4% -3.7% YoY-2.9% QoQ	-0.2%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	35%
Efficiency Ratio	89.4% -1.0% YoY-0.7% QoQ	+12.4%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	Bottom 11.4% in tier
Delinquency Rate	0.1% -78.8% QoQ	-0.8	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	Top 5.0% in tier
Loan To Share	78.0% -2.0% YoY-5.6% QoQ	+5.8%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	58%
AMR	$35,808 -9.3% YoY+7.6% QoQ	+$11K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 8.3% in tier
CD Concentration	17.5% +2.7% YoY-5.6% QoQ	-7.0%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#15 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 20.88%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#139 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 20.88%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.38%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#21 of 208 • 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): -9.28%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Wealth Migration Risk

decline

#6 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: $35.8K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -9.28%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

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

Efficiency Drag

risk

#170 of 538 • 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: 89.37%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 20.88%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Risk Growth

risk

#273 of 456 • 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): 8.46%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#540 of 705 • 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: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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 1069 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 20.88%

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: -

#54 of 1069 Top 5.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: -

#66 of 1069 Top 6.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,808

Peer Median: -

#89 of 1069 Top 8.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,690

Peer Median: -

#97 of 1069 Top 9.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.98%

Peer Median: -

#99 of 1069 Top 9.2% in 100M-500M tier

105

Deposit Growth Rate

growth

Value: 10.62%

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

236

Loan Growth Rate

growth

Value: 8.46%

Peer Median: -

#236 of 1069 Top 22.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1053

AMR Growth Rate

growth

Value: -9.28%

Peer Median: -

#1053 of 1069 Bottom 1.6% in 100M-500M tier

1027

Members Per Employee (MPE)

engagement

Value: 199.290

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

1013

First Mortgage Concentration (%)

balance_sheet

Value: 61.69%

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

997

Total Members

engagement

Value: 6,178

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

948

Efficiency Ratio

profitability

Value: 89.37%

Peer Median: -

#948 of 1069 Bottom 11.4% in 100M-500M tier

936

Fee Income Per Member

profitability

Value: $95.99

Peer Median: -

#936 of 1069 Bottom 12.5% in 100M-500M tier

816

Return on Assets (ROA)

profitability

Value: 0.38%

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier