BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #66818 · TX
FIRST COMMUNITY has 5 strengths but faces 8 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
- + 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
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 6 that size in Texas.
- Shares and deposits +0.8% year over year ($2.03B in shares and deposits).
- Membership: 189,781 members, +10.8% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.87%.
- Efficiency ratio 72.58% vs a 69.45% peer average.
- Loan-to-share ratio 118.40% vs a 90.24% 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 (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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| 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)
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)