BlastPoint's Credit Union Scorecard
1ST CLASS EXPRESS
Charter #67022 · WI
2556 CUs in <100M nationally
52 in WI
1ST CLASS EXPRESS has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Interest Margin 2.00% 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
- - Efficiency ratio 15.30% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Deposit Growth Rate: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Members Per Employee (MPE): Bottom 6.3% in tier
- - Loan Growth Rate: Bottom 6.4% in tier
- - Average Member Relationship (AMR): Bottom 7.7% in tier
- - Total Deposits: Bottom 9.7% in tier
- - Total Assets: Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
627
-2.6% YoY+0.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$2.1M
-9.4% YoY-2.0% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.9% in tier |
| Loans |
$1.3M
-19.1% YoY+0.6% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.4% in tier |
| Deposits |
$1.5M
-13.7% YoY-3.9% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.7% in tier |
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| ROA |
1.1%
-208.6% YoY+296.8% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
5.9%
-6.1% YoY-2.3% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
97.9%
+35.3% YoY+2.1% QoQ
|
+15.3% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 13.8% in tier |
| Delinquency Rate |
0.6%
-53.9% YoY+2236.5% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
86.4%
-6.2% YoY+4.6% QoQ
|
+25.7% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 13.8% in tier |
| AMR |
$4,583
-14.0% YoY-2.0% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
35.4%
+18.9% YoY+10.1% QoQ
|
+10.9% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
6
Net Charge-Off Rate
risk
Value:
-3.02%
Peer Median: -
#6 of 2556
Top 0.2% in <100M tier
106
Net Interest Margin (NIM)
profitability
Value:
5.95%
Peer Median: -
#106 of 2556
Top 4.1% in <100M tier
310
Net Worth Ratio
risk
Value:
24.30%
Peer Median: -
#310 of 2556
Top 12.1% in <100M tier
352
Loan-to-Share Ratio
balance_sheet
Value:
86.35%
Peer Median: -
#352 of 2556
Top 13.7% in <100M tier
Top Weaknesses (13 metrics)
2472
Deposit Growth Rate
growth
Value:
-13.74%
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2466
AMR Growth Rate
growth
Value:
-14.03%
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2418
Asset Growth Rate
growth
Value:
-9.38%
Peer Median: -
#2418 of 2556
Bottom 5.4% in <100M tier
2395
Members Per Employee (MPE)
engagement
Value:
104.500
Peer Median: -
#2395 of 2556
Bottom 6.3% in <100M tier
2393
Loan Growth Rate
growth
Value:
-19.08%
Peer Median: -
#2393 of 2556
Bottom 6.4% in <100M tier
2360
Average Member Relationship (AMR)
engagement
Value:
$4,583
Peer Median: -
#2360 of 2556
Bottom 7.7% in <100M tier
2308
Total Deposits
balance_sheet
Value:
$1.54M
Peer Median: -
#2308 of 2556
Bottom 9.7% in <100M tier
2302
Total Assets
balance_sheet
Value:
$2.07M
Peer Median: -
#2302 of 2556
Bottom 10.0% in <100M tier
2260
Share Certificate Concentration (%)
balance_sheet
Value:
35.36%
Peer Median: -
#2260 of 2556
Bottom 11.6% in <100M tier
2213
Total Loans
balance_sheet
Value:
$1.33M
Peer Median: -
#2213 of 2556
Bottom 13.5% in <100M tier