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BlastPoint's Credit Union Scorecard

COMMUNITY FIRST

Charter #66642 · WI

Large 5B-7B
39 CUs in 5B-7B nationally 3 in WI
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COMMUNITY FIRST has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 15.6% in tier
  • + Wallet Share Momentum: Top 15.6% in tier
  • + Organic Growth Engine: Top 53.1% in tier
  • + Organic Growth Leader: Top 53.1% in tier
  • + ROA 0.58% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Net Charge-Off Rate: Top 0.1% in tier
  • + Total Deposits: Top 0.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 14.1% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Members Per Employee (MPE): Bottom 2.6% in tier
  • - Net Interest Margin (NIM): Bottom 7.7% in tier
  • - Total Members: Bottom 7.7% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Wisconsin.
  • Shares and deposits +9.5% year over year ($5.92B in shares and deposits).
  • Membership: 166,721 members, +2.6% vs a year ago.
  • Delinquency rate 0.14%.
  • Return on assets 1.51%.
  • Efficiency ratio 47.19% vs a 65.18% peer average.
  • Loan-to-share ratio 86.44% vs a 85.64% 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 (WI) National Avg Tier Percentile
Members 166,721
+2.6% YoY+0.7% QoQ
 -144.2K 310,918
+6.0% YoY
 40,085
+5.1% YoY
 34,678
+6.6% YoY
 Bottom 5.1% in tier
Assets $6.8B
+9.8% YoY+2.7% QoQ
 +$1.0B $5.8B
-1.1% YoY
 $782.0M
+12.1% YoY
 $593.1M
+10.2% YoY
 Top 5.1% in tier
Loans $5.1B
+12.8% YoY+3.8% QoQ
 +$920.0M $4.2B
-0.7% YoY
 $600.2M
+11.1% YoY
 $418.6M
+10.1% YoY
 80%
Deposits $5.9B
+9.5% YoY+2.5% QoQ
 +$1.0B $4.9B
-1.3% YoY
 $658.6M
+12.2% YoY
 $504.8M
+10.3% YoY
 Top 2.6% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.5%
+23.8% YoY+7.3% QoQ
 +0.6% 0.9%
+35.3% YoY
 1.0%
+81.4% YoY
 1.2%
+121.4% YoY
 Top 10.3% in tier
NIM 2.4%
+13.9% YoY+2.1% QoQ
 -0.8% 3.2%
+9.5% YoY
 3.7%
+9.7% YoY
 3.8%
+2.3% YoY
 Bottom 5.1% in tier
Efficiency Ratio 47.2%
-10.8% YoY-3.8% QoQ
 -18.0% 65.2%
-9.0% YoY
 75.5%
-0.0% YoY
 83.0%
-5.3% YoY
 Top 7.7% in tier
Delinquency Rate 0.1%
+10.3% YoY-4.7% QoQ
 -0.6 0.8%
+23.8% YoY
 0.8%
-17.5% YoY
 1.3%
+2.6% YoY
 Top 0.1% in tier
Loan To Share 86.4%
+3.1% YoY+1.2% QoQ
 +0.8% 85.6%
-0.2% YoY
 79.3%
-0.8% YoY
 66.4%
-1.4% YoY
 38%
AMR $66,240
+8.2% YoY+2.4% QoQ
 +$34K $32,010
-7.3% YoY
 $24,272
+7.8% YoY
 $20,028
-0.9% YoY
 Top 2.6% in tier
CD Concentration 41.1%
+0.7% YoY-0.1% QoQ
 +12.8% 28.3% 21.6% 20.0% Top 12.1% in tier
Indirect Auto % 0.0% -16.8% 16.8% 8.4% 7.7% Top 6.1% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#5 of 22 • Top 53.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.59%
(Tier: 4.24%, National: 15.67%)
but worse than tier avg
Return on Assets: 1.51%
(Tier: 0.96%, National: 1.23%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 16.81%, National: 7.71%)
better than tier avg
22 of 67 Large CUs have this signature | 490 nationally
↓ Shrinking -25 CUs YoY | Rank improving

Relationship Depth Leader

growth
#4 of 16 • Top 15.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 8.20%
(Tier: 4.16%, National: 35.20%)
better than tier avg
Share Draft per Member: $4.5K
(Tier: $3.3K, National: $2.1K)
better than tier avg
16 of 67 Large CUs have this signature | 354 nationally
→ Stable (12→16 CUs) +4 CUs YoY

Wallet Share Momentum

growth
#10 of 20 • Top 15.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.20%
(Tier: 4.16%, National: 35.20%)
better than tier avg
20 of 67 Large CUs have this signature | 635 nationally
→ Stable (17→20 CUs) +3 CUs YoY

Organic Growth Leader

growth
#14 of 22 • Top 53.1% in tier

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

Why This Signature
Member Growth (YoY): 2.59%
(Tier: 4.24%, National: 15.67%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 16.81%, National: 7.71%)
better than tier avg
22 of 67 Large CUs have this signature | 485 nationally
→ Stable (27→22 CUs) -5 CUs YoY

Concerns (2)

Credit Risk Growth

risk
#17 of 28 • Bottom 14.1% in tier

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

Why This Signature
Loan Growth (YoY): 12.84%
(Tier: 7.79%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.08% points)
but better than tier avg
28 of 67 Large CUs have this signature | 688 nationally
→ Stable (31→28 CUs) -3 CUs YoY

Credit Quality Pressure

risk
#32 of 33 • 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): 0.01% points
(Tier: 0.07% points, National: 0.08% points)
but better than tier avg
33 of 67 Large CUs have this signature | 962 nationally
→ Stable (37→33 CUs) -4 CUs YoY

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)

Comparing against 39 peers in tier

Top Strengths (16 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.14%
Peer Median: 0.67%
#1 of 39 Top 0.1% in 5B-7B tier
1
Net Charge-Off Rate
risk
Value: 0.10%
Peer Median: 0.62%
#1 of 39 Top 0.1% in 5B-7B tier
1
Total Deposits
balance_sheet
Value: $5.92B
Peer Median: $4.80B
#1 of 39 Top 0.1% in 5B-7B tier
1
Average Member Relationship (AMR)
engagement
Value: $66,240
Peer Median: $29,661
#1 of 39 Top 0.1% in 5B-7B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $30,711
Peer Median: $13,956
#1 of 39 Top 0.1% in 5B-7B tier
2
Total Assets
balance_sheet
Value: $6.84B
Peer Median: $5.68B
#2 of 39 Top 2.6% in 5B-7B tier
3
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 17.30%
#3 of 39 Top 5.1% in 5B-7B tier
4
Return on Assets (ROA)
profitability
Value: 1.51%
Peer Median: 0.85%
#4 of 39 Top 7.7% in 5B-7B tier
4
Efficiency Ratio
profitability
Value: 47.19%
Peer Median: 66.17%
#4 of 39 Top 7.7% in 5B-7B tier
4
Loan Growth Rate
growth
Value: 12.84%
Peer Median: 4.22%
#4 of 39 Top 7.7% in 5B-7B tier

Top Weaknesses (4 metrics)

39
Members Per Employee (MPE)
engagement
Value: 258.884
Peer Median: 423.198
#39 of 39 Bottom 2.6% in 5B-7B tier
37
Net Interest Margin (NIM)
profitability
Value: 2.38%
Peer Median: 3.25%
#37 of 39 Bottom 7.7% in 5B-7B tier
37
Total Members
engagement
Value: 166,721
Peer Median: 303,111
#37 of 39 Bottom 7.7% in 5B-7B tier
35
Share Certificate Concentration (%)
balance_sheet
Value: 41.13%
Peer Median: 29.09%
#35 of 39 Bottom 12.8% in 5B-7B tier
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