BlastPoint's Credit Union Scorecard

FIRST COMMUNITY

Charter #66818 · TX

Mid-Market 3B-5B

First Community at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

First Community is one of 101 credit unions in the 2026 VentureTech card set. We also found First Community's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

First Community

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FIRST COMMUNITY
PEER · AT VENTURETECH
PEER · AT VENTURETECH
FIRST COMMUNITY'S BIGGEST OPPORTUNITY

77 CUs in 3B-5B nationally 6 in TX

View Mid-Market leaderboard →

FIRST COMMUNITY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 10.8% YoY
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Member Growth Rate: Top 7.8% in tier
+ Asset Growth Rate: Top 7.8% in tier
+ Loan Growth Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.1% in tier
- Indirect Auto Dependency: Bottom 7.0% in tier
- Shrinking Wallet Share: Bottom 86.0% in tier
- ROA 0.07% below tier average
- Efficiency ratio 3.13% above tier (higher cost structure)
- Total Deposits: Bottom 1.3% in tier
- Net Worth Ratio: Bottom 5.2% in tier
- Total Assets: Bottom 5.2% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	189,781 +10.8% YoY+1.6% QoQ	-26.8K	216,545 -9.5% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	42%
Assets	$3.1B +15.4% YoY+4.0% QoQ	$-827.2M	$3.9B -1.6% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Bottom 3.9% in tier
Loans	$2.4B +17.2% YoY+6.3% QoQ	$-532.2M	$2.9B -1.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Bottom 14.3% in tier
Deposits	$2.0B +0.8% YoY-2.4% QoQ	$-1.2B	$3.3B -2.6% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Bottom 0.1% in tier

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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	0.9% +5.6% YoY-3.5% QoQ	-0.1%	0.9% +25.3% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	46%
NIM	3.2% +11.7% YoY+14.1% QoQ	+0.0%	3.2% +3.8% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	48%
Efficiency Ratio	72.6% -5.8% YoY-2.3% QoQ	+3.1%	69.5% -2.3% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	70%
Delinquency Rate	0.4% -34.4% YoY-1.0% QoQ	-0.4	0.8% +5.5% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	22%
Loan To Share	118.4% +16.3% YoY+8.9% QoQ	+28.2%	90.2% +0.9% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 1.3% in tier
AMR	$23,317 -1.5% YoY+0.5% QoQ	$-8K	$31,018 +6.9% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	Bottom 11.7% in tier
CD Concentration	31.1% +4.2% YoY-0.7% QoQ	+2.0%	29.1%	21.6%	20.0%	60%
Indirect Auto %	35.6% +47.1% YoY+13.7% QoQ	+17.5%	18.1%	6.9%	7.7%	84%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Liquidity Strain

risk

#1 of 168 • Bottom 1.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 118.40%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 17.23%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#34 of 193 • Bottom 7.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 15.41%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 35.62%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 10.79%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#53 of 69 • Bottom 86.0% in tier

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

Why This Signature

AMR Growth (YoY): -1.52%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 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 77 peers in tier

Top Strengths (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 118.40%

Peer Median: 93.34%

#1 of 77 Top 0.1% in 3B-5B tier

Member Growth Rate

growth

Value: 10.79%

Peer Median: 3.08%

#7 of 77 Top 7.8% in 3B-5B tier

Asset Growth Rate

growth

Value: 15.41%

Peer Median: 5.91%

#7 of 77 Top 7.8% in 3B-5B tier

Loan Growth Rate

growth

Value: 17.23%

Peer Median: 6.20%

#7 of 77 Top 7.8% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.39%

Peer Median: 0.63%

#18 of 77 Top 22.1% in 3B-5B tier

Top Weaknesses (8 metrics)

Total Deposits

balance_sheet

Value: $2.03B

Peer Median: $3.34B

#77 of 77 Bottom 1.3% in 3B-5B tier

Net Worth Ratio

risk

Value: 7.98%

Peer Median: 10.81%

#74 of 77 Bottom 5.2% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.07B

Peer Median: $3.97B

#74 of 77 Bottom 5.2% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $23,317

Peer Median: $28,880

#68 of 77 Bottom 13.0% in 3B-5B tier

AMR Growth Rate

growth

Value: -1.52%

Peer Median: 3.17%

#66 of 77 Bottom 15.6% in 3B-5B tier

Total Loans

balance_sheet

Value: $2.40B

Peer Median: $2.91B

#66 of 77 Bottom 15.6% in 3B-5B tier

Deposit Growth Rate

growth

Value: 0.82%

Peer Median: 5.62%

#64 of 77 Bottom 18.2% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 35.62%

Peer Median: 18.00%

#64 of 77 Bottom 18.2% in 3B-5B tier