BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #67619 · MO
FIRST COMMUNITY has 5 strengths but faces 4 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
- + Organic Growth Engine: Top 30.1% in tier
- + Wallet Share Momentum: Top 59.1% in tier
- + Total Deposits: Top 3.9% in tier
- + Total Members: Top 5.3% in tier
- + Total Assets: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.8% in tier
- - ROA 0.01% below tier average
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
408,271
+1.4% YoY-1.2% QoQ
|
+169.8K |
238,465
+0.6% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 6.6% in tier |
| Assets |
$4.8B
+6.9% YoY-1.1% QoQ
|
+$806.2M |
$4.0B
-0.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 7.9% in tier |
| Loans |
$3.3B
+5.4% YoY+0.9% QoQ
|
+$262.6M |
$3.0B
+3.3% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$4.2B
+10.9% YoY+0.9% QoQ
|
+$902.4M |
$3.3B
+1.1% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 5.3% in tier |
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| ROA |
0.7%
+20.7% YoY+8.6% QoQ
|
-0.0% |
0.7%
+5.3% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
2.6%
+11.7% YoY+2.5% QoQ
|
-0.6% |
3.2%
+13.7% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
68.6%
-3.4% YoY-1.7% QoQ
|
-2.7% |
71.3%
-0.6% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.5%
-3.9% YoY-2.7% QoQ
|
-0.4 |
0.8%
+15.9% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
77.5%
-5.0% YoY-0.0% QoQ
|
-13.4% |
90.8%
+2.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.2% in tier |
| AMR |
$18,412
+7.0% YoY+2.1% QoQ
|
$-11K |
$29,088
+0.1% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.9% in tier |
| CD Concentration |
21.6%
+3.4% YoY+0.4% QoQ
|
-7.3% |
29.0%
+0.7% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
18% |
| Indirect Auto % |
43.4%
-4.3% YoY-1.8% QoQ
|
+24.7% |
18.8%
-3.0% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
Top 8.7% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)