BlastPoint's Credit Union Scorecard
FIRST COMMUNITY CU OF BELOIT
Charter #67214 · WI
FIRST COMMUNITY CU OF BELOIT has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.7% in tier
- + Strong member growth: 10.1% YoY
- + Total Loans: Top 1.4% in tier
- + Loan-to-Share Ratio: Top 1.7% in tier
- + Member Growth Rate: Top 3.5% in tier
- + Total Members: Top 5.2% in tier
- + Deposit Growth Rate: Top 7.5% in tier
- + Total Assets: Top 9.2% in tier
- + Total Deposits: Top 9.6% in tier
- + Asset Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.8% in tier
- - Indirect Auto Dependency: Bottom 5.5% in tier
- - Credit Risk Growth: Bottom 52.8% in tier
- - Credit Quality Pressure: Bottom 86.1% in tier
- - ROA 0.13% below tier average
- - Indirect Auto Concentration (%): Bottom 2.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,222
+10.1% YoY+2.7% QoQ
|
+16.8K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 5.3% in tier |
| Assets |
$413.4M
+10.7% YoY+4.1% QoQ
|
+$181.5M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 9.3% in tier |
| Loans |
$360.0M
+10.9% YoY+1.1% QoQ
|
+$212.7M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Top 1.5% in tier |
| Deposits |
$352.5M
+11.9% YoY+4.4% QoQ
|
+$151.7M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 9.7% in tier |
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| ROA |
0.6%
-42.5% YoY+19.8% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
3.3%
+10.2% YoY-0.8% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
73.1%
+2.7% YoY-1.0% QoQ
|
-4.0% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.7%
+6.9% YoY+29.4% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
102.1%
-0.9% YoY-3.1% QoQ
|
+29.9% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 1.8% in tier |
| AMR |
$22,113
+1.2% YoY+0.0% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
34.8%
+17.7% YoY+6.6% QoQ
|
+10.4% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
58.2%
+1.9% YoY+1.6% QoQ
|
+44.4% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)