BlastPoint's Credit Union Scorecard

FIRST COMMUNITY

Charter #67619 · MO

Large 5B-7B

39 CUs in 5B-7B nationally 1 in MO

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FIRST COMMUNITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 1.6% in tier
+ AMR Growth Rate: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 43.8% in tier
- Indirect Auto Dependency: Bottom 67.2% in tier
- Credit Risk Growth: Bottom 71.9% in tier
- Membership Headwinds: Bottom 100.0% in tier
- Stagnation Risk: Bottom 100.0% in tier
- Efficiency ratio 0.70% above tier (higher cost structure)
- Member decline: -16.7% YoY
- Member Growth Rate: Bottom 5.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in Missouri.
Shares and deposits +7.0% year over year ($4.49B in shares and deposits).
Membership: 344,229 members, -16.7% vs a year ago.
Delinquency rate 0.54%.
Return on assets 0.95%.
Efficiency ratio 65.88% vs a 65.18% peer average.
Loan-to-share ratio 74.18% vs a 85.64% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	344,229 -16.7% YoY-1.0% QoQ	+33.3K	310,918 +6.0% YoY	15,766 -0.3% YoY	34,678 +6.6% YoY	72%
Assets	$5.0B +4.2% YoY+0.9% QoQ	$-754.4M	$5.8B -1.1% YoY	$225.8M +8.3% YoY	$593.1M +10.2% YoY	Bottom 7.7% in tier
Loans	$3.3B +2.4% YoY+1.3% QoQ	$-869.1M	$4.2B -0.7% YoY	$157.5M +9.5% YoY	$418.6M +10.1% YoY	Bottom 7.7% in tier
Deposits	$4.5B +7.0% YoY+0.8% QoQ	$-404.2M	$4.9B -1.3% YoY	$197.6M +8.9% YoY	$504.8M +10.3% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +39.5% YoY+13.6% QoQ	+0.0%	0.9% +35.3% YoY	1.4% +222.5% YoY	1.2% +121.4% YoY	62%
NIM	2.7% +7.9% YoY+2.8% QoQ	-0.5%	3.2% +9.5% YoY	3.8% +0.7% YoY	3.8% +2.3% YoY	23%
Efficiency Ratio	65.9% -5.6% YoY-2.3% QoQ	+0.7%	65.2% -9.0% YoY	83.2% +2.3% YoY	83.0% -5.3% YoY	44%
Delinquency Rate	0.5% +15.1% YoY+16.1% QoQ	-0.2	0.8% +23.8% YoY	1.1% -8.7% YoY	1.3% +2.6% YoY	36%
Loan To Share	74.2% -4.3% YoY+0.6% QoQ	-11.5%	85.6% -0.2% YoY	69.6% -2.9% YoY	66.4% -1.4% YoY	18%
AMR	$22,723 +26.0% YoY+2.0% QoQ	$-9K	$32,010 -7.3% YoY	$17,444 +4.9% YoY	$20,028 -0.9% YoY	Bottom 12.8% in tier
CD Concentration	19.7% -8.8% YoY-1.2% QoQ	-8.7%	28.3%	18.3%	20.0%	15%
Indirect Auto %	40.7% -8.0% YoY-2.5% QoQ	+23.9%	16.8%	9.9%	7.7%	Bottom 6.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#1 of 20 • Top 1.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 25.98%

(Tier: 4.16%, National: 35.20%)

better than tier avg

20 of 67 Large CUs have this signature | 635 nationally

→ Stable (17→20 CUs) +3 CUs YoY | Rank improving

Concerns (5)

Membership Headwinds

decline

#1 of 13 • Bottom 100.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -16.66%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#6 of 35 • Bottom 67.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.24%

(Tier: 8.71%, National: 3.30%)

worse than tier avg

Indirect Auto %: 40.70%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -16.66%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY

Stagnation Risk

risk

#5 of 13 • Bottom 100.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -16.66%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.40%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.54%

(Tier: 0.79%, National: 1.26%)

but better than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | New qualifier

Credit Quality Pressure

risk

#28 of 33 • Bottom 43.8% 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: 0.07% points, National: 0.08% points)

but better than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | Rank improving

Credit Risk Growth

risk

#26 of 28 • Bottom 71.9% in tier

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

Why This Signature

Loan Growth (YoY): 2.40%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY | Rank improving

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 39 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 25.98%

Peer Median: 2.28%

#1 of 39 Top 0.1% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.65%

Peer Median: 29.09%

#5 of 39 Top 10.3% in 5B-7B tier

Net Charge-Off Rate

risk

Value: 0.38%

Peer Median: 0.62%

#7 of 39 Top 15.4% in 5B-7B tier

Top Weaknesses (10 metrics)

Member Growth Rate

growth

Value: -16.66%

Peer Median: 2.78%

#38 of 39 Bottom 5.1% in 5B-7B tier

Net Worth Ratio

risk

Value: 8.62%

Peer Median: 10.43%

#37 of 39 Bottom 7.7% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 40.70%

Peer Median: 17.30%

#37 of 39 Bottom 7.7% in 5B-7B tier

Total Assets

balance_sheet

Value: $5.04B

Peer Median: $5.68B

#36 of 39 Bottom 10.3% in 5B-7B tier

Total Loans

balance_sheet

Value: $3.33B

Peer Median: $4.31B

#36 of 39 Bottom 10.3% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $22,723

Peer Median: $29,661

#34 of 39 Bottom 15.4% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $9,677

Peer Median: $13,956

#34 of 39 Bottom 15.4% in 5B-7B tier

Fee Income Per Member

profitability

Value: $163.60

Peer Median: $208.80

#33 of 39 Bottom 17.9% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 74.18%

Peer Median: 89.91%

#32 of 39 Bottom 20.5% in 5B-7B tier

Total Deposits

balance_sheet

Value: $4.49B

Peer Median: $4.80B

#31 of 39 Bottom 23.1% in 5B-7B tier