BlastPoint's Credit Union Scorecard
FIRST COMMERCE
Charter #68301 · FL
FIRST COMMERCE has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 62.7% in tier
- + Strong member growth: 5.4% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 16.4% in tier
- - Liquidity Strain: Bottom 37.3% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 3.26% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 8.3% in tier
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +7.6% year over year ($1.05B in shares and deposits).
- Membership: 74,967 members, +5.4% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.68%.
- Efficiency ratio 76.28% vs a 73.02% peer average.
- Loan-to-share ratio 92.70% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,967
+5.4% YoY+1.3% QoQ
|
-21.9K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$1.2B
+10.3% YoY+1.3% QoQ
|
$-486.5M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$976.0M
+11.4% YoY+0.9% QoQ
|
$-258.2M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$1.1B
+7.6% YoY+1.1% QoQ
|
$-410.4M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.7%
+50.2% YoY+27.1% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.4%
+6.9% YoY+0.5% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
76.3%
-4.0% YoY+0.2% QoQ
|
+3.3% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.5%
-10.7% YoY-2.5% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
92.7%
+3.6% YoY-0.2% QoQ
|
+8.0% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$27,065
+3.8% YoY-0.4% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
40.6%
+4.8% YoY-0.1% QoQ
|
+11.5% | 29.1% | 24.7% | 20.0% | Top 9.9% in tier |
| Indirect Auto % |
40.8%
+6.7% YoY-0.0% QoQ
|
+22.7% | 18.1% | 10.8% | 7.7% | Bottom 9.1% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)