BlastPoint's Credit Union Scorecard
1ST CLASS EXPRESS
Charter #67022 · WI
2596 CUs in <100M nationally
53 in WI
1ST CLASS EXPRESS has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 14.44% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - AMR Growth Rate: Bottom 2.3% in tier
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 2.8% in tier
- - Loan Growth Rate: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 6.4% in tier
- - Average Member Relationship (AMR): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
626
-2.6% YoY-0.9% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$2.1M
-13.2% YoY-1.2% QoQ
|
$-27.7M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.4% in tier |
| Loans |
$1.3M
-28.0% YoY-10.4% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.6% in tier |
| Deposits |
$1.6M
-15.5% YoY-1.5% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.4% in tier |
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Tier 1
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| ROA |
0.3%
-29.8% YoY-74.2% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
6.1%
-5.7% YoY+2.2% QoQ
|
+2.2% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Top 3.8% in tier |
| Efficiency Ratio |
95.8%
+26.4% YoY+14.6% QoQ
|
+14.4% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.0%
-98.7% YoY-91.9% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
82.5%
-14.8% YoY-9.1% QoQ
|
+21.3% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$4,676
-19.6% YoY-4.8% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.4% in tier |
| CD Concentration |
32.1%
+69.5% YoY+8.5% QoQ
|
+7.7% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
5
Net Charge-Off Rate
risk
Value:
-3.19%
Peer Avg: -
#5 of 2596
Top 0.2% in <100M tier
98
Net Interest Margin (NIM)
profitability
Value:
6.09%
Peer Avg: -
#98 of 2596
Top 3.7% in <100M tier
363
Net Worth Ratio
risk
Value:
23.11%
Peer Avg: -
#363 of 2596
Top 13.9% in <100M tier
380
Total Delinquency Rate (60+ days)
risk
Value:
0.02%
Peer Avg: -
#380 of 2596
Top 14.6% in <100M tier
501
Loan-to-Share Ratio
balance_sheet
Value:
82.52%
Peer Avg: -
#501 of 2596
Top 19.3% in <100M tier
Top Weaknesses (13 metrics)
2538
AMR Growth Rate
growth
Value:
-19.55%
Peer Avg: -
#2538 of 2596
Bottom 2.3% in <100M tier
2526
Deposit Growth Rate
growth
Value:
-15.53%
Peer Avg: -
#2526 of 2596
Bottom 2.7% in <100M tier
2525
Asset Growth Rate
growth
Value:
-13.19%
Peer Avg: -
#2525 of 2596
Bottom 2.8% in <100M tier
2520
Loan Growth Rate
growth
Value:
-28.03%
Peer Avg: -
#2520 of 2596
Bottom 3.0% in <100M tier
2432
Members Per Employee (MPE)
engagement
Value:
104.333
Peer Avg: -
#2432 of 2596
Bottom 6.4% in <100M tier
2379
Average Member Relationship (AMR)
engagement
Value:
$4,676
Peer Avg: -
#2379 of 2596
Bottom 8.4% in <100M tier
2327
Total Assets
balance_sheet
Value:
$2.11M
Peer Avg: -
#2327 of 2596
Bottom 10.4% in <100M tier
2326
Total Deposits
balance_sheet
Value:
$1.60M
Peer Avg: -
#2326 of 2596
Bottom 10.4% in <100M tier
2244
Total Loans
balance_sheet
Value:
$1.32M
Peer Avg: -
#2244 of 2596
Bottom 13.6% in <100M tier
2231
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,114
Peer Avg: -
#2231 of 2596
Bottom 14.1% in <100M tier