BlastPoint's Credit Union Scorecard
FIRST COMMUNITY CU OF BELOIT
Charter #67214 · WI
FIRST COMMUNITY CU OF BELOIT has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 18.8% in tier
- + Strong member growth: 9.1% YoY
- + Loan-to-Share Ratio: Top 1.6% in tier
- + Total Loans: Top 1.6% in tier
- + Member Growth Rate: Top 3.9% in tier
- + Total Members: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.3% in tier
- - Indirect Auto Dependency: Bottom 2.9% in tier
- - Credit Risk Growth: Bottom 9.3% in tier
- - Credit Quality Pressure: Bottom 17.5% in tier
- - ROA 0.26% below tier average
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,373
+9.1% YoY+2.4% QoQ
|
+15.7K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Top 6.3% in tier |
| Assets |
$397.0M
+7.7% YoY+2.1% QoQ
|
+$165.7M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Top 11.0% in tier |
| Loans |
$356.0M
+10.5% YoY+2.7% QoQ
|
+$208.2M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Top 1.7% in tier |
| Deposits |
$337.7M
+8.3% YoY+2.3% QoQ
|
+$137.4M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Top 11.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-50.2% YoY-4.5% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.4%
+10.7% YoY+1.7% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
35% |
| Efficiency Ratio |
73.8%
+3.0% YoY+1.0% QoQ
|
-3.5% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.5%
+35.0% YoY-27.4% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
105.4%
+2.1% YoY+0.4% QoQ
|
+32.7% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$22,111
+0.3% YoY+0.1% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
32.7%
+0.4% YoY-0.4% QoQ
|
+8.3% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
57.3%
+1.5% YoY+0.1% QoQ
|
+43.3% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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)