BlastPoint's Credit Union Scorecard
FIRST COMMERCE
Charter #68301 · FL
FIRST COMMERCE has 2 strengths but faces 5 concerns
How does the industry compare?
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How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 73.2% in tier
- + Emerging Performer: Top 79.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.5% in tier
- - Liquidity Strain: Bottom 71.5% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 3.11% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,472
+4.2% YoY+0.9% QoQ
|
-25.0K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$1.2B
+8.8% YoY+3.7% QoQ
|
$-530.4M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$921.7M
+11.2% YoY+3.6% QoQ
|
$-312.7M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$1.0B
+4.3% YoY+3.1% QoQ
|
$-441.5M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.6%
+23.1% YoY+6.8% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
3.2%
+8.1% YoY-0.2% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
77.2%
-2.7% YoY-2.0% QoQ
|
+3.1% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.6%
-26.3% YoY-13.1% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
90.6%
+6.7% YoY+0.5% QoQ
|
+5.8% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$26,762
+3.2% YoY+2.5% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
40.3%
+3.3% YoY+1.7% QoQ
|
+11.2% | 29.0% | 24.1% | 19.8% | Top 11.2% in tier |
| Indirect Auto % |
39.2%
+5.5% YoY+1.9% QoQ
|
+20.9% | 18.3% | 10.8% | 7.8% | Top 12.2% 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)