BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #67619 · MO
FIRST COMMUNITY has 5 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does MO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 59.0% in tier
- + ROA 0.06% above tier average
- + Total Deposits: Top 0.0% in tier
- + Total Assets: Top 3.9% in tier
- + Total Members: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.7% in tier
- - Credit Quality Pressure: Bottom 81.4% in tier
- - Credit Risk Growth: Bottom 84.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
408,317
+0.3% YoY+0.0% QoQ
|
+178.0K |
230,353
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 6.6% in tier |
| Assets |
$4.8B
+7.1% YoY+1.2% QoQ
|
+$894.9M |
$3.9B
+0.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 5.3% in tier |
| Loans |
$3.3B
+5.1% YoY+0.2% QoQ
|
+$351.6M |
$2.9B
-0.2% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$4.3B
+10.0% YoY+1.6% QoQ
|
+$991.3M |
$3.3B
-0.3% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 1.3% in tier |
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| ROA |
0.8%
+24.5% YoY+5.0% QoQ
|
+0.1% |
0.7%
+16.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
2.6%
+12.3% YoY+1.8% QoQ
|
-0.5% |
3.1%
+9.8% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
68.3%
-3.9% YoY-0.5% QoQ
|
-3.1% |
71.4%
-1.4% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.5%
+10.7% YoY+14.5% QoQ
|
-0.4 |
0.9%
+5.8% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
76.4%
-4.5% YoY-1.4% QoQ
|
-12.5% |
88.9%
-0.2% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.2% in tier |
| AMR |
$18,586
+7.5% YoY+0.9% QoQ
|
$-11K |
$29,682
+1.5% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.9% in tier |
| CD Concentration |
21.0%
-3.4% YoY-2.9% QoQ
|
-8.0% | 29.0% | 18.2% | 19.8% | 16% |
| Indirect Auto % |
42.4%
-5.2% YoY-2.3% QoQ
|
+24.1% | 18.3% | 10.0% | 7.8% | Top 8.2% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)