BlastPoint's Credit Union Scorecard
FIRST COMMERCE
Charter #68301 · FL
FIRST COMMERCE has 2 strengths but faces 4 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
- + Organic Growth Engine: Top 26.7% in tier
- + Emerging Performer: Top 81.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.3% in tier
- - Liquidity Strain: Bottom 28.4% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 4.76% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,850
+3.9% YoY+1.1% QoQ
|
-26.8K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$1.1B
+2.6% YoY+2.5% QoQ
|
$-569.5M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$889.5M
+9.4% YoY+1.6% QoQ
|
$-343.6M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$986.7M
+4.0% YoY+0.8% QoQ
|
$-467.6M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.5%
+16.6% YoY+16.2% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.2%
+9.8% YoY+2.9% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
78.7%
-1.9% YoY-0.9% QoQ
|
+4.8% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.7%
-26.4% YoY+16.7% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
90.1%
+5.2% YoY+0.7% QoQ
|
+5.0% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$26,113
+2.5% YoY+0.1% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
41% |
| CD Concentration |
39.6%
+4.8% YoY+2.2% QoQ
|
+10.6% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
Top 12.4% in tier |
| Indirect Auto % |
38.4%
+4.1% YoY+0.6% QoQ
|
+19.7% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Top 13.4% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)