BlastPoint's Credit Union Scorecard

1ST COMMUNITY

Charter #67012 · WI

1077 CUs in 100M-500M nationally 27 in WI

1ST COMMUNITY has 6 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 15.0% in tier
+ Organic Growth Leader: Top 19.3% in tier
+ Relationship Depth Leader: Top 73.4% in tier
+ Profitability Leader: Top 82.6% in tier
+ ROA 0.41% above tier average
+ Net Interest Margin 0.28% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 25.2% in tier
- Flatlined Growth: Bottom 26.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	15,761 +2.0% YoY+0.2% QoQ	+132	15,628 -3.4% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	60%
Assets	$270.9M -0.7% YoY+0.2% QoQ	+$39.6M	$231.3M -0.0% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	68%
Loans	$218.9M +7.4% YoY+1.9% QoQ	+$71.1M	$147.8M -1.4% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	80%
Deposits	$240.3M +2.9% YoY-0.1% QoQ	+$40.0M	$200.3M -0.0% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	69%

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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	1.2% +67.9% YoY+7.3% QoQ	+0.4%	0.8% +15.5% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	78%
NIM	3.9% +17.4% YoY+3.8% QoQ	+0.3%	3.6% +6.9% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	66%
Efficiency Ratio	73.3% -7.9% YoY-1.1% QoQ	-3.9%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	35%
Delinquency Rate	0.6% -30.2% YoY-43.8% QoQ	-0.3	0.9% +7.6% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	44%
Loan To Share	91.1% +4.4% YoY+2.0% QoQ	+18.4%	72.7% -1.5% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	Top 14.0% in tier
AMR	$29,137 +2.9% YoY+0.6% QoQ	+$5K	$24,363 +2.9% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	81%
CD Concentration	30.8% -6.2% YoY-2.5% QoQ	+6.4%	24.4% +4.2% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	13.0% -0.9% YoY-4.7% QoQ	-1.0%	14.0% -5.7% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#275 of 603 • Top 15.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.03%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.19%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 12.99%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#255 of 430 • Top 19.3% in tier

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

Why This Signature

Member Growth (YoY): 2.03%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 12.99%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth

#189 of 257 • Top 73.4% 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): 2.91%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.8K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Profitability Leader

growth

#281 of 340 • Top 82.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.19%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.48% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#196 of 258 • Bottom 25.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.09%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.43%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Flatlined Growth

risk

#28 of 58 • Bottom 26.2% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.69%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 1.19%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 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 1077 peers in tier

Top Strengths (7 metrics)

148

Loan-to-Member Ratio (LMR)

engagement

Value: $13,889

Peer Avg: -

#148 of 1077 Top 13.6% in 100M-500M tier

151

Loan-to-Share Ratio

balance_sheet

Value: 91.09%

Peer Avg: -

#151 of 1077 Top 13.9% in 100M-500M tier

186

Net Charge-Off Rate

risk

Value: 0.11%

Peer Avg: -

#186 of 1077 Top 17.2% in 100M-500M tier

209

Average Member Relationship (AMR)

engagement

Value: $29,137

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

221

Total Loans

balance_sheet

Value: $218.90M

Peer Avg: -

#221 of 1077 Top 20.4% in 100M-500M tier

239

Return on Assets (ROA)

profitability

Value: 1.19%

Peer Avg: -

#239 of 1077 Top 22.1% in 100M-500M tier

266

Loan Growth Rate

growth

Value: 7.43%

Peer Avg: -

#266 of 1077 Top 24.6% in 100M-500M tier

Top Weaknesses (2 metrics)

914

Asset Growth Rate

growth

Value: -0.69%

Peer Avg: -

#914 of 1077 Bottom 15.2% in 100M-500M tier

813

Net Worth Ratio

risk

Value: 9.81%

Peer Avg: -

#813 of 1077 Bottom 24.6% in 100M-500M tier