BlastPoint's Credit Union Scorecard
1ST CLASS EXPRESS
Charter #67022 · WI
1ST CLASS EXPRESS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.33% above tier average
- + Net Charge-Off Rate: Top 0.1% in tier
- + Loan-to-Share Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Average Member Relationship (AMR): Bottom 8.8% in tier
- - Total Assets: Bottom 9.6% in tier
- - Total Deposits: Bottom 10.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
- Shares and deposits +0.0% year over year ($1.6M in shares and deposits).
- Membership: 632 members, +0.0% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 1.12%.
- Efficiency ratio 83.63% vs a 88.77% peer average.
- Loan-to-share ratio 90.74% vs a 58.89% 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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
632
0% YoY+1.0% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$2.1M
0% YoY+4.0% QoQ
|
$-28.1M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.6% in tier |
| Loans |
$1.5M
0% YoY+11.8% QoQ
|
$-14.0M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.3% in tier |
| Deposits |
$1.6M
0% YoY+6.0% QoQ
|
$-24.2M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.9% in tier |
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| ROA |
1.1%
+4.4% YoY-183.6% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
6.2%
+4.4% YoY+9.9% QoQ
|
+2.3% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
83.6%
0% YoY-25.4% QoQ
|
-5.1% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.3%
0% YoY-77.1% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
90.7%
0% YoY+5.5% QoQ
|
+31.9% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 8.5% in tier |
| AMR |
$4,913
0% YoY+7.7% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.8% in tier |
| CD Concentration |
29.6%
0% YoY-18.8% QoQ
|
+5.0% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)