BlastPoint's Credit Union Scorecard

FIRST CENTRAL

Charter #67644 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

FIRST CENTRAL has 7 strengths but faces 5 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

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.63% above tier average
+ Net Interest Margin 0.54% above tier average
+ Fee Income Per Member: Top 4.9% in tier
+ Net Worth Ratio: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 1.21% above tier average
- Average Member Relationship (AMR): Bottom 1.6% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- Total Delinquency Rate (60+ days): Bottom 5.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	20,753 +2.2% YoY+1.1% QoQ	+5.6K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	79%
Assets	$188.4M +6.9% YoY+4.0% QoQ	$-43.3M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	47%
Loans	$89.7M +1.2% YoY-1.9% QoQ	$-54.5M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	30%
Deposits	$157.2M +6.1% YoY+4.7% QoQ	$-43.9M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	44%

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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	1.4% +5.8% YoY-9.8% QoQ	+0.6%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 15.0% in tier
NIM	4.2% -4.4% YoY-4.1% QoQ	+0.5%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	77.4% -8.8% YoY-2.3% QoQ	-0.6%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	2.0% -32.5% YoY-28.0% QoQ	+1.2	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 5.3% in tier
Loan To Share	57.0% -4.7% YoY-6.3% QoQ	-13.4%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	21%
AMR	$11,899 +2.0% YoY+1.1% QoQ	$-13K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 1.5% in tier
CD Concentration	21.4% +34.7% YoY+8.5% QoQ	-2.8%	24.3%	21.3%	19.8%	50%
Indirect Auto %	4.5% -11.1% YoY+0.1% QoQ	-9.3%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#142 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.18%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.35%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 4.47%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#77 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.35%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.18%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#213 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.18%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 4.47%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk

#78 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.45%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 57.04%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $298.10

Peer Median: $154.95

#53 of 1070 Top 4.9% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.45%

Peer Median: 11.45%

#98 of 1070 Top 9.1% in 100M-500M tier

160

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Median: 0.69%

#160 of 1070 Top 14.9% in 100M-500M tier

201

Net Interest Margin (NIM)

profitability

Value: 4.17%

Peer Median: 3.62%

#201 of 1070 Top 18.7% in 100M-500M tier

225

Total Members

engagement

Value: 20,753

Peer Median: 13,200

#225 of 1070 Top 20.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1054

Average Member Relationship (AMR)

engagement

Value: $11,899

Peer Median: $22,931

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1043

Loan-to-Member Ratio (LMR)

engagement

Value: $4,322

Peer Median: $9,356

#1043 of 1070 Bottom 2.6% in 100M-500M tier

1014

Total Delinquency Rate (60+ days)

risk

Value: 1.98%

Peer Median: 0.61%

#1014 of 1070 Bottom 5.3% in 100M-500M tier

938

Net Charge-Off Rate

risk

Value: 0.97%

Peer Median: 0.35%

#938 of 1070 Bottom 12.4% in 100M-500M tier

842

Loan-to-Share Ratio

balance_sheet

Value: 57.04%

Peer Median: 71.88%

#842 of 1070 Bottom 21.4% in 100M-500M tier