BlastPoint's Credit Union Scorecard

1ST COMMUNITY

Charter #67012 · WI

100M-500M

1069 CUs in 100M-500M nationally 26 in WI

1ST COMMUNITY has 5 strengths but faces 2 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.28% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	15,727 +1.3% YoY-0.2% QoQ	+289	15,437 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	61%
Assets	$280.6M +5.3% YoY+3.6% QoQ	+$48.7M	$231.9M +1.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	70%
Loans	$219.2M +5.4% YoY+0.2% QoQ	+$71.9M	$147.3M -0.1% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	80%
Deposits	$248.6M +5.5% YoY+3.5% QoQ	+$47.8M	$200.8M +0.8% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	71%

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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	1.2% +47.9% YoY-3.2% QoQ	+0.4%	0.8% +18.2% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	78%
NIM	3.9% +13.6% YoY+0.3% QoQ	+0.3%	3.6% +6.7% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	66%
Efficiency Ratio	72.3% -7.8% YoY-1.4% QoQ	-4.7%	77.0% -3.1% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	31%
Delinquency Rate	0.7% +56.6% YoY+21.8% QoQ	-0.2	0.9% +4.2% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	50%
Loan To Share	88.2% -0.1% YoY-3.2% QoQ	+15.9%	72.2% -1.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	82%
AMR	$29,751 +4.0% YoY+2.1% QoQ	+$5K	$24,676 +3.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	81%
CD Concentration	29.9% -6.8% YoY-2.9% QoQ	+5.5%	24.4%	21.5%	19.8%	50%
Indirect Auto %	12.6% -2.1% YoY-3.3% QoQ	-1.2%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#351 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.16%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 12.57%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#167 of 268 • Top 50.0% 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): 4.04%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Organic Growth Leader

growth

#323 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 12.57%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#296 of 705 • 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): 0.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#200 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.38%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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 1069 peers in tier

Top Strengths (5 metrics)

153

Loan-to-Member Ratio (LMR)

engagement

Value: $13,941

Peer Median: -

#153 of 1069 Top 14.2% in 100M-500M tier

198

Loan-to-Share Ratio

balance_sheet

Value: 88.17%

Peer Median: -

#198 of 1069 Top 18.4% in 100M-500M tier

199

Average Member Relationship (AMR)

engagement

Value: $29,751

Peer Median: -

#199 of 1069 Top 18.5% in 100M-500M tier

211

Total Loans

balance_sheet

Value: $219.24M

Peer Median: -

#211 of 1069 Top 19.6% in 100M-500M tier

238

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Median: -

#238 of 1069 Top 22.2% in 100M-500M tier

Top Weaknesses (2 metrics)

820

First Mortgage Concentration (%)

balance_sheet

Value: 42.93%

Peer Median: -

#820 of 1069 Bottom 23.4% in 100M-500M tier

816

Net Worth Ratio

risk

Value: 9.75%

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier