BlastPoint's Credit Union Scorecard

FIRST FINANCIAL

Charter #68244 · NM

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 6 in NM

View Mid-Market leaderboard →

FIRST FINANCIAL has 8 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 63.2% in tier
+ Organic Growth Engine: Top 64.6% in tier
+ Wallet Share Momentum: Top 68.8% in tier
+ Net Interest Margin 0.26% above tier average
+ Strong member growth: 6.7% YoY
+ Asset Growth Rate: Top 3.3% in tier
+ Deposit Growth Rate: Top 4.0% in tier
+ First Mortgage Concentration (%): Top 6.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 3.1% in tier
- Credit Quality Pressure: Bottom 6.7% in tier
- Credit Risk Growth: Bottom 19.0% in tier
- Efficiency Drag: Bottom 94.4% in tier
- ROA 0.15% below tier average
- Efficiency ratio 7.87% above tier (higher cost structure)
- Delinquency rate 0.55% above tier average
- Average Member Relationship (AMR): Bottom 3.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- Indirect Auto Concentration (%): Bottom 4.6% in tier
- Total Loans: Bottom 7.3% in tier
- Net Worth Ratio: Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	98,616 +6.7% YoY-1.0% QoQ	+1.2K	97,431 -2.4% YoY	30,637 +9.7% YoY	33,374 +5.7% YoY	60%
Assets	$1.1B +21.1% YoY+2.7% QoQ	$-613.0M	$1.7B +0.9% YoY	$552.5M +15.5% YoY	$561.6M +9.7% YoY	Bottom 11.3% in tier
Loans	$700.3M +5.7% YoY+0.5% QoQ	$-534.2M	$1.2B +0.5% YoY	$373.6M +15.3% YoY	$397.0M +8.8% YoY	Bottom 7.0% in tier
Deposits	$994.0M +20.2% YoY+1.9% QoQ	$-465.3M	$1.5B +0.9% YoY	$467.0M +13.7% YoY	$477.3M +9.7% YoY	18%

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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	0.5% +89.8% YoY-21.5% QoQ	-0.1%	0.7% +20.9% YoY	0.9% +81.1% YoY	0.7% +15.9% YoY	34%
NIM	3.5% -3.0% YoY-1.9% QoQ	+0.3%	3.3% +9.2% YoY	3.9% +5.3% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	81.9% -6.5% YoY+1.0% QoQ	+7.9%	74.1% -9.5% YoY	74.2% -10.1% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	1.4% +91.0% YoY+7.2% QoQ	+0.5	0.9% +6.2% YoY	1.0% -7.4% YoY	1.3% -2.1% YoY	Top 13.9% in tier
Loan To Share	70.4% -12.1% YoY-1.4% QoQ	-14.3%	84.8% -0.8% YoY	71.2% -0.7% YoY	67.4% -1.7% YoY	16%
AMR	$17,180 +6.6% YoY+2.3% QoQ	$-12K	$29,428 +2.4% YoY	$20,852 +6.0% YoY	$19,687 +2.0% YoY	Bottom 2.6% in tier
CD Concentration	21.0% +17.3% YoY+4.5% QoQ	-8.0%	29.0%	24.1%	19.8%	16%
Indirect Auto %	49.9% -7.1% YoY-1.2% QoQ	+31.6%	18.3%	14.3%	7.8%	Top 4.3% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth

#49 of 77 • Top 63.2% 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: 0.54%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 6.70%

(Tier: 3.43%, National: 4.32%)

better than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Organic Growth Engine

growth

#160 of 247 • Top 64.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.70%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.54%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 49.94%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Wallet Share Momentum

growth

#85 of 123 • Top 68.8% in tier

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

Why This Signature

AMR Growth (YoY): 6.59%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#7 of 196 • Bottom 3.1% in tier

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

Why This Signature

Asset Growth (YoY): 21.14%

(Tier: 6.83%, National: 3.54%)

but better than tier avg

Indirect Auto %: 49.94%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 6.70%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Credit Quality Pressure

risk

#15 of 211 • Bottom 6.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.69% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

Credit Risk Growth

risk

#32 of 164 • Bottom 19.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.68%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.69% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Efficiency Drag

risk

#85 of 90 • Bottom 94.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.92%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.12% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 6.70%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

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 302 peers in tier

Top Strengths (7 metrics)

Asset Growth Rate

growth

Value: 21.14%

Peer Median: -

#11 of 302 Top 3.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 20.19%

Peer Median: -

#13 of 302 Top 4.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 13.50%

Peer Median: -

#19 of 302 Top 6.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $294.61

Peer Median: -

#38 of 302 Top 12.3% in 1B-3B tier

Member Growth Rate

growth

Value: 6.70%

Peer Median: -

#39 of 302 Top 12.6% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.05%

Peer Median: -

#51 of 302 Top 16.6% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.59%

Peer Median: -

#69 of 302 Top 22.5% in 1B-3B tier

Top Weaknesses (11 metrics)

294

Average Member Relationship (AMR)

engagement

Value: $17,180

Peer Median: -

#294 of 302 Bottom 3.0% in 1B-3B tier

291

Loan-to-Member Ratio (LMR)

engagement

Value: $7,101

Peer Median: -

#291 of 302 Bottom 4.0% in 1B-3B tier

289

Indirect Auto Concentration (%)

balance_sheet

Value: 49.94%

Peer Median: -

#289 of 302 Bottom 4.6% in 1B-3B tier

281

Total Loans

balance_sheet

Value: $700.26M

Peer Median: -

#281 of 302 Bottom 7.3% in 1B-3B tier

277

Net Worth Ratio

risk

Value: 8.75%

Peer Median: -

#277 of 302 Bottom 8.6% in 1B-3B tier

268

Total Assets

balance_sheet

Value: $1.11B

Peer Median: -

#268 of 302 Bottom 11.6% in 1B-3B tier

261

Total Delinquency Rate (60+ days)

risk

Value: 1.44%

Peer Median: -

#261 of 302 Bottom 13.9% in 1B-3B tier

255

Loan-to-Share Ratio

balance_sheet

Value: 70.45%

Peer Median: -

#255 of 302 Bottom 15.9% in 1B-3B tier

250

Efficiency Ratio

profitability

Value: 81.92%

Peer Median: -

#250 of 302 Bottom 17.5% in 1B-3B tier

249

Total Deposits

balance_sheet

Value: $993.99M

Peer Median: -

#249 of 302 Bottom 17.9% in 1B-3B tier