BlastPoint's Credit Union Scorecard

FIRST BASIN

Charter #67609 · TX

100M-500M

1069 CUs in 100M-500M nationally 79 in TX

FIRST BASIN has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.27% above tier average
+ Share Certificate Concentration (%): Top 4.5% in tier
+ Total Members: Top 7.0% in tier
+ Asset Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Loan Growth Rate: Bottom 0.4% in tier
- AMR Growth Rate: Bottom 3.0% in tier
- Average Member Relationship (AMR): Bottom 9.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	30,008 +0.9% YoY+1.8% QoQ	+14.6K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Top 7.1% in tier
Assets	$350.0M +12.3% YoY-0.8% QoQ	+$118.1M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	82%
Loans	$168.7M -16.9% YoY-4.2% QoQ	+$21.4M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	67%
Deposits	$279.6M +3.2% YoY+0.2% QoQ	+$78.8M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	78%

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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	1.0% +141.3% YoY-11.1% QoQ	+0.3%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	70%
NIM	3.4% -6.1% YoY+1.0% QoQ	-0.2%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	76.3% -7.0% YoY+3.4% QoQ	-0.7%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	47%
Delinquency Rate	0.8% +21.4% YoY+57.9% QoQ	-0.1	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	56%
Loan To Share	60.3% -19.5% YoY-4.4% QoQ	-11.9%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	24%
AMR	$14,941 -6.3% YoY-3.2% QoQ	$-10K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	Bottom 9.2% in tier
CD Concentration	4.5% -17.0% YoY+0.5% QoQ	-19.9%	24.4%	21.2%	19.8%	50%
Indirect Auto %	17.7% -32.5% YoY-9.7% QoQ	+3.9%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Shrinking Wallet Share

decline

#39 of 208 • 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): -6.28%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#233 of 506 • 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): 12.33%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 17.73%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.92%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk

#437 of 705 • 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): 0.14% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | 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 1069 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 4.55%

Peer Median: -

#49 of 1069 Top 4.5% in 100M-500M tier

Total Members

engagement

Value: 30,008

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.33%

Peer Median: -

#77 of 1069 Top 7.1% in 100M-500M tier

163

Fee Income Per Member

profitability

Value: $244.44

Peer Median: -

#163 of 1069 Top 15.2% in 100M-500M tier

196

Total Assets

balance_sheet

Value: $349.96M

Peer Median: -

#196 of 1069 Top 18.2% in 100M-500M tier

241

Total Deposits

balance_sheet

Value: $279.63M

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1066

Loan Growth Rate

growth

Value: -16.94%

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1038

AMR Growth Rate

growth

Value: -6.28%

Peer Median: -

#1038 of 1069 Bottom 3.0% in 100M-500M tier

971

Average Member Relationship (AMR)

engagement

Value: $14,941

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

965

Loan-to-Member Ratio (LMR)

engagement

Value: $5,623

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

862

Net Charge-Off Rate

risk

Value: 0.72%

Peer Median: -

#862 of 1069 Bottom 19.5% in 100M-500M tier

811

Loan-to-Share Ratio

balance_sheet

Value: 60.34%

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier