BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #66818 · TX
FIRST COMMUNITY has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 49.6% in tier
- + Strong member growth: 7.7% YoY
- + Total Assets: Top 0.3% in tier
- + Total Members: Top 3.0% in tier
- + Asset Growth Rate: Top 4.6% in tier
- + Total Loans: Top 5.6% in tier
- + Member Growth Rate: Top 9.9% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 11.8% in tier
- - Liquidity Strain: Bottom 20.6% in tier
- - Shrinking Wallet Share: Bottom 68.0% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 0.45% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182,310
+7.7% YoY+3.0% QoQ
|
+84.9K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 3.3% in tier |
| Assets |
$3.0B
+16.1% YoY+3.6% QoQ
|
+$1.3B |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 0.7% in tier |
| Loans |
$2.1B
+7.1% YoY-6.9% QoQ
|
+$866.7M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 6.0% in tier |
| Deposits |
$2.1B
+4.0% YoY+2.2% QoQ
|
+$609.5M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
85% |
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| ROA |
0.6%
+29.5% YoY-13.1% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.8%
+12.1% YoY-3.4% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
74.5%
-4.5% YoY-1.7% QoQ
|
+0.4% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.5%
-24.7% YoY-17.8% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
101.6%
+3.0% YoY-8.9% QoQ
|
+16.8% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 10.3% in tier |
| AMR |
$22,872
-2.0% YoY-5.5% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
31.8%
+12.7% YoY+4.8% QoQ
|
+2.8% | 29.0% | 21.2% | 19.8% | 64% |
| Indirect Auto % |
39.6%
+59.1% YoY+32.7% QoQ
|
+21.3% | 18.3% | 7.1% | 7.8% | Top 10.9% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)