BlastPoint's Credit Union Scorecard

FIRST COMMUNITY CU OF BELOIT

Charter #67214 · WI

100M-500M

1070 CUs in 100M-500M nationally 26 in WI

FIRST COMMUNITY CU OF BELOIT has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.07% above tier average
+ Strong member growth: 13.3% YoY
+ Total Loans: Top 1.0% in tier
+ Loan-to-Share Ratio: Top 1.4% in tier
+ Member Growth Rate: Top 3.2% in tier
+ Total Members: Top 3.9% in tier
+ Deposit Growth Rate: Top 7.9% in tier
+ Total Assets: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Efficiency ratio 0.90% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	33,845 +13.3% YoY+5.0% QoQ	+18.7K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Top 4.0% in tier
Assets	$421.3M +9.7% YoY+1.9% QoQ	+$189.5M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Top 8.5% in tier
Loans	$364.5M +9.5% YoY+1.2% QoQ	+$220.3M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	Top 1.1% in tier
Deposits	$359.9M +10.6% YoY+2.1% QoQ	+$158.8M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	Top 8.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -13.4% YoY+25.9% QoQ	+0.1%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	57%
NIM	3.3% +3.0% YoY+0.3% QoQ	-0.3%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	78.9% +11.2% YoY+8.0% QoQ	+0.9%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	0.7% +11.7% YoY-2.9% QoQ	-0.1	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	54%
Loan To Share	101.3% -1.0% YoY-0.9% QoQ	+30.8%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 1.5% in tier
AMR	$21,404 -2.9% YoY-3.2% QoQ	$-4K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	41%
CD Concentration	34.9% +1.1% YoY+0.1% QoQ	+10.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	58.0% +1.2% YoY-0.3% QoQ	+44.2%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Indirect Auto Dependency

risk

#37 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.67%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 58.03%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 13.28%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Strain

risk

#16 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 101.26%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.49%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#113 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.87%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#239 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.49%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#54 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.92% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 43.35%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#546 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Margin Compression

decline

#122 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 0.92%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $364.48M

Peer Median: $121.41M

#12 of 1070 Top 1.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 101.26%

Peer Median: 71.88%

#16 of 1070 Top 1.4% in 100M-500M tier

Member Growth Rate

growth

Value: 13.28%

Peer Median: -0.06%

#35 of 1070 Top 3.2% in 100M-500M tier

Total Members

engagement

Value: 33,845

Peer Median: 13,200

#43 of 1070 Top 3.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.58%

Peer Median: 3.30%

#85 of 1070 Top 7.9% in 100M-500M tier

Total Assets

balance_sheet

Value: $421.25M

Peer Median: $196.57M

#91 of 1070 Top 8.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $359.95M

Peer Median: $171.29M

#95 of 1070 Top 8.8% in 100M-500M tier

120

Asset Growth Rate

growth

Value: 9.67%

Peer Median: 3.91%

#120 of 1070 Top 11.1% in 100M-500M tier

202

Loan Growth Rate

growth

Value: 9.49%

Peer Median: 2.93%

#202 of 1070 Top 18.8% in 100M-500M tier

233

First Mortgage Concentration (%)

balance_sheet

Value: 15.38%

Peer Median: 29.47%

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1044

Indirect Auto Concentration (%)

balance_sheet

Value: 58.03%

Peer Median: 6.61%

#1044 of 1070 Bottom 2.5% in 100M-500M tier

977

AMR Growth Rate

growth

Value: -2.87%

Peer Median: 3.46%

#977 of 1070 Bottom 8.8% in 100M-500M tier

919

Share Certificate Concentration (%)

balance_sheet

Value: 34.86%

Peer Median: 23.10%

#919 of 1070 Bottom 14.2% in 100M-500M tier

828

Fee Income Per Member

profitability

Value: $105.31

Peer Median: $154.95

#828 of 1070 Bottom 22.7% in 100M-500M tier