BlastPoint's Credit Union Scorecard

FIRST COMMUNITY

Charter #67619 · MO

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 1 in MO
View Mid-Market leaderboard →

FIRST COMMUNITY has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?
Mid-Market 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 0.8% in tier
  • + ROA 0.11% above tier average
  • + AMR Growth Rate: Top 0.1% in tier
  • + Total Assets: Top 0.1% in tier
  • + Total Deposits: Top 0.1% in tier
  • + Total Members: Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 38.9% in tier
  • - Indirect Auto Dependency: Bottom 46.1% in tier
  • - Credit Risk Growth: Bottom 67.1% in tier
  • - Membership Headwinds: Bottom 99.7% in tier
  • - Stagnation Risk: Bottom 99.7% in tier
  • - Member decline: -15.1% YoY
  • - Member Growth Rate: Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 347,799
-15.1% YoY-14.8% QoQ
 +127.4K 220,435
-7.6% YoY
 15,395
-0.3% YoY
 33,913
+5.7% YoY
 Top 7.7% in tier
Assets $5.0B
+5.4% YoY+3.2% QoQ
 +$1.1B $3.9B
-1.5% YoY
 $217.9M
+8.5% YoY
 $578.3M
+9.0% YoY
 Top 1.3% in tier
Loans $3.3B
+2.8% YoY+0.0% QoQ
 +$394.7M $2.9B
-1.1% YoY
 $149.6M
+7.9% YoY
 $402.4M
+8.7% YoY
 73%
Deposits $4.5B
+8.5% YoY+3.6% QoQ
 +$1.2B $3.3B
-2.5% YoY
 $190.9M
+9.2% YoY
 $494.3M
+9.1% YoY
 Top 1.3% 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%
+42.3% YoY+7.7% QoQ
 +0.1% 0.7%
+10.6% YoY
 -0.4%
-263.3% YoY
 0.4%
-39.2% YoY
 56%
NIM 2.6%
+6.1% YoY+0.6% QoQ
 -0.6% 3.2%
+4.6% YoY
 3.9%
+2.8% YoY
 3.8%
+4.1% YoY
 15%
Efficiency Ratio 67.5%
-6.2% YoY-1.2% QoQ
 -3.8% 71.3%
-2.6% YoY
 82.5%
-4.9% YoY
 84.6%
+2.8% YoY
 42%
Delinquency Rate 0.5%
+18.1% YoY-11.0% QoQ
 -0.3 0.7%
+9.2% YoY
 1.1%
+7.9% YoY
 1.2%
+3.4% YoY
 40%
Loan To Share 73.8%
-5.2% YoY-3.4% QoQ
 -14.2% 88.0%
+0.9% YoY
 68.7%
-4.0% YoY
 65.6%
-1.4% YoY
 Bottom 12.8% in tier
AMR $22,268
+24.9% YoY+19.8% QoQ
 $-8K $30,672
+5.5% YoY
 $17,151
+1.8% YoY
 $19,920
+1.6% YoY
 Bottom 12.8% in tier
CD Concentration 19.9%
-5.8% YoY-5.2% QoQ
 -8.9% 28.8% 18.1% 19.8% Bottom 13.3% in tier
Indirect Auto % 41.7%
-7.1% YoY-1.7% QoQ
 +23.7% 18.1% 9.8% 7.7% Bottom 8.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#3 of 125 • Top 0.8% in tier

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

Why This Signature
AMR Growth (YoY): 24.92%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | Rank improving

Concerns (5)

Membership Headwinds

decline
#2 of 91 • Bottom 99.7% in tier

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

Why This Signature
Member Growth (YoY): -15.14%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
91 of 384 Mid-Market CUs have this signature | 676 nationally
→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk
#14 of 198 • Bottom 46.1% in tier

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

Why This Signature
Asset Growth (YoY): 5.42%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 41.73%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): -15.14%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Stagnation Risk

risk
#21 of 91 • Bottom 99.7% 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): -15.14%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): 2.80%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Rate: 0.46%
(Tier: 0.75%, National: 1.19%)
but better than tier avg
91 of 384 Mid-Market CUs have this signature | 676 nationally
→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk
#148 of 225 • Bottom 38.9% 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: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk
#158 of 183 • Bottom 67.1% in tier

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

Why This Signature
Loan Growth (YoY): 2.80%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 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)

Comparing against 78 peers in tier

Top Strengths (6 metrics)

1
AMR Growth Rate
growth
Value: 24.92%
Peer Median: 2.86%
#1 of 78 Top 0.1% in 3B-5B tier
1
Total Assets
balance_sheet
Value: $4.99B
Peer Median: $3.94B
#1 of 78 Top 0.1% in 3B-5B tier
1
Total Deposits
balance_sheet
Value: $4.46B
Peer Median: $3.34B
#1 of 78 Top 0.1% in 3B-5B tier
6
Total Members
engagement
Value: 347,799
Peer Median: 212,824
#6 of 78 Top 6.4% in 3B-5B tier
9
Share Certificate Concentration (%)
balance_sheet
Value: 19.90%
Peer Median: 31.76%
#9 of 78 Top 10.3% in 3B-5B tier
16
Members Per Employee (MPE)
engagement
Value: 485.075
Peer Median: 393.414
#16 of 78 Top 19.2% in 3B-5B tier

Top Weaknesses (7 metrics)

76
Member Growth Rate
growth
Value: -15.14%
Peer Median: 3.36%
#76 of 78 Bottom 3.8% in 3B-5B tier
71
Indirect Auto Concentration (%)
balance_sheet
Value: 41.73%
Peer Median: 18.10%
#71 of 78 Bottom 10.3% in 3B-5B tier
71
Loan-to-Member Ratio (LMR)
engagement
Value: $9,453
Peer Median: $13,137
#71 of 78 Bottom 10.3% in 3B-5B tier
70
Net Worth Ratio
risk
Value: 8.43%
Peer Median: 10.59%
#70 of 78 Bottom 11.5% in 3B-5B tier
68
Loan-to-Share Ratio
balance_sheet
Value: 73.77%
Peer Median: 90.65%
#68 of 78 Bottom 14.1% in 3B-5B tier
68
Average Member Relationship (AMR)
engagement
Value: $22,268
Peer Median: $28,813
#68 of 78 Bottom 14.1% in 3B-5B tier
66
Net Interest Margin (NIM)
profitability
Value: 2.63%
Peer Median: 3.23%
#66 of 78 Bottom 16.7% in 3B-5B tier
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