BlastPoint's Credit Union Scorecard

FIRST COMMUNITY

Charter #66818 · TX

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 28 in TX
View Mid-Market leaderboard →

FIRST COMMUNITY has 6 strengths but faces 4 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

  • + ROA 0.18% above tier average
  • + Strong member growth: 7.4% YoY
  • + Total Assets: Top 0.3% in tier
  • + Total Loans: Top 1.0% in tier
  • + Loan-to-Share Ratio: Top 1.6% in tier
  • + Total Members: Top 2.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.6% in tier
  • - Indirect Auto Dependency: Bottom 28.2% in tier
  • - Shrinking Wallet Share: Bottom 89.2% in tier
  • - Net Worth Ratio: Bottom 3.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 186,819
+7.4% YoY+2.5% QoQ
 +90.8K 96,048
-2.7% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 Top 2.3% in tier
Assets $3.0B
+7.9% YoY-0.7% QoQ
 +$1.2B $1.7B
+0.4% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 Top 0.7% in tier
Loans $2.3B
+5.9% YoY+7.4% QoQ
 +$1.0B $1.2B
+0.2% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 Top 1.3% in tier
Deposits $2.1B
+3.0% YoY+0.3% QoQ
 +$610.2M $1.5B
+0.5% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 83%

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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 0.9%
+45.9% QoQ
 +0.2% 0.7%
+27.6% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 70%
NIM 2.8%
-2.0% YoY+0.5% QoQ
 -0.5% 3.4%
+6.2% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 16%
Efficiency Ratio 74.3%
-14.4% YoY-0.3% QoQ
 -0.4% 74.6%
-3.0% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 47%
Delinquency Rate 0.4%
-24.7% YoY-16.4% QoQ
 -0.4 0.8%
+6.9% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 26%
Loan To Share 108.8%
+2.8% YoY+7.1% QoQ
 +25.6% 83.2%
-0.4% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 Top 2.0% in tier
AMR $23,194
-2.7% YoY+1.4% QoQ
 $-6K $29,652
+2.3% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 20%
CD Concentration 31.3%
+11.9% YoY-1.7% QoQ
 +2.4% 28.8% 21.3% 19.8% 62%
Indirect Auto % 31.3%
+10.8% YoY-20.9% QoQ
 +13.3% 18.1% 6.9% 7.7% 80%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Liquidity Strain

risk
#21 of 148 • Bottom 2.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 108.75%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 5.88%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#77 of 198 • Bottom 28.2% in tier

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

Why This Signature
Asset Growth (YoY): 7.92%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 31.34%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 7.38%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#42 of 82 • Bottom 89.2% in tier

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

Why This Signature
AMR Growth (YoY): -2.69%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (8 metrics)

2
Total Assets
balance_sheet
Value: $2.96B
Peer Median: $1.51B
#2 of 306 Top 0.3% in 1B-3B tier
4
Total Loans
balance_sheet
Value: $2.26B
Peer Median: $1.11B
#4 of 306 Top 1.0% in 1B-3B tier
6
Loan-to-Share Ratio
balance_sheet
Value: 108.75%
Peer Median: 85.31%
#6 of 306 Top 1.6% in 1B-3B tier
7
Total Members
engagement
Value: 186,819
Peer Median: 85,918
#7 of 306 Top 2.0% in 1B-3B tier
41
Member Growth Rate
growth
Value: 7.38%
Peer Median: 2.03%
#41 of 306 Top 13.1% in 1B-3B tier
50
Members Per Employee (MPE)
engagement
Value: 441.652
Peer Median: 345.077
#50 of 306 Top 16.0% in 1B-3B tier
51
Total Deposits
balance_sheet
Value: $2.08B
Peer Median: $1.31B
#51 of 306 Top 16.3% in 1B-3B tier
54
Fee Income Per Member
profitability
Value: $261.45
Peer Median: $191.54
#54 of 306 Top 17.3% in 1B-3B tier

Top Weaknesses (5 metrics)

295
Net Worth Ratio
risk
Value: 8.09%
Peer Median: 10.85%
#295 of 306 Bottom 3.9% in 1B-3B tier
274
AMR Growth Rate
growth
Value: -2.69%
Peer Median: 3.15%
#274 of 306 Bottom 10.8% in 1B-3B tier
257
Net Interest Margin (NIM)
profitability
Value: 2.85%
Peer Median: 3.37%
#257 of 306 Bottom 16.3% in 1B-3B tier
247
Indirect Auto Concentration (%)
balance_sheet
Value: 31.34%
Peer Median: 13.86%
#247 of 306 Bottom 19.6% in 1B-3B tier
244
Average Member Relationship (AMR)
engagement
Value: $23,194
Peer Median: $28,178
#244 of 306 Bottom 20.6% in 1B-3B tier
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