BlastPoint's Credit Union Scorecard
FIRST FINANCIAL
Charter #68244 · NM
FIRST FINANCIAL has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 15.5% in tier
- + Net Interest Margin 0.31% above tier average
- + Strong member growth: 6.3% YoY
- + Asset Growth Rate: Top 5.9% in tier
- + First Mortgage Concentration (%): Top 5.9% in tier
- + Deposit Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.3% in tier
- - Indirect Auto Dependency: Bottom 6.3% in tier
- - Efficiency Drag: Bottom 6.3% in tier
- - Credit Risk Growth: Bottom 23.4% in tier
- - ROA 0.82% below tier average
- - Efficiency ratio 13.88% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Average Member Relationship (AMR): Bottom 2.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
99,409
+6.3% YoY+0.8% QoQ
|
+3.4K |
96,048
-2.7% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$1.1B
+17.2% YoY+1.9% QoQ
|
$-588.9M |
$1.7B
+0.4% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.4% in tier |
| Loans |
$728.4M
+10.2% YoY+4.0% QoQ
|
$-485.3M |
$1.2B
+0.2% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.1% in tier |
| Deposits |
$1.0B
+17.4% YoY+3.1% QoQ
|
$-440.6M |
$1.5B
+0.5% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
21% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-126.9% YoY-118.2% QoQ
|
-0.8% |
0.7%
+27.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.6% in tier |
| NIM |
3.7%
-0.9% YoY+3.8% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
88.5%
+3.6% YoY+8.0% QoQ
|
+13.9% |
74.6%
-3.0% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate |
1.1%
+105.0% YoY-21.4% QoQ
|
+0.4 |
0.8%
+6.9% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 15.0% in tier |
| Loan To Share |
71.1%
-6.2% YoY+0.9% QoQ
|
-12.1% |
83.2%
-0.4% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$17,638
+7.6% YoY+2.7% QoQ
|
$-12K |
$29,652
+2.3% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.6% in tier |
| CD Concentration |
19.9%
+10.3% YoY-5.6% QoQ
|
-9.0% | 28.8% | 24.0% | 19.8% | Bottom 13.1% in tier |
| Indirect Auto % |
48.1%
-10.1% YoY-3.6% QoQ
|
+30.1% | 18.1% | 14.3% | 7.7% | Bottom 5.5% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)