BlastPoint's Credit Union Scorecard
1ST CLASS EXPRESS
Charter #67022 · WI
1ST CLASS EXPRESS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.66% above tier average
- + Net Charge-Off Rate: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.49% below tier average
- - Efficiency ratio 21.48% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Deposit Growth Rate: Bottom 5.1% in tier
- - AMR Growth Rate: Bottom 6.2% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Asset Growth Rate: Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
626
-2.8% YoY-0.2% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$2.1M
-8.3% YoY-0.7% QoQ
|
$-28.1M |
$30.2M
+1.3% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.5% in tier |
| Loans |
$1.3M
-15.5% YoY-0.8% QoQ
|
$-14.0M |
$15.3M
-2.0% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.6% in tier |
| Deposits |
$1.5M
-11.5% YoY-0.5% QoQ
|
$-24.2M |
$25.8M
+0.7% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.4% in tier |
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| ROA |
-1.3%
-225.9% YoY-222.0% QoQ
|
-1.5% |
0.1%
-77.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.9% in tier |
| NIM |
5.7%
-4.7% YoY-4.8% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
112.1%
+34.0% YoY+14.6% QoQ
|
+21.5% |
90.6%
+6.5% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
1.3%
+131.9% YoY+132.2% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
86.0%
-4.5% YoY-0.4% QoQ
|
+27.5% |
58.5%
-3.0% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 11.3% in tier |
| AMR |
$4,562
-10.9% YoY-0.5% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.8% in tier |
| CD Concentration |
36.5%
+19.5% YoY+3.1% QoQ
|
+12.2% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 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)