BlastPoint's Credit Union Scorecard
FIRST COMMERCE
Charter #68301 · FL
FIRST COMMERCE has 3 strengths but faces 8 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
- + Wallet Share Momentum: Top 8.9% in tier
- + AMR Growth Rate: Top 8.8% in tier
- + Loan Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.7% in tier
- - Indirect Auto Dependency: Bottom 28.9% in tier
- - Membership Headwinds: Bottom 82.1% in tier
- - Stagnation Risk: Bottom 82.1% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 1.52% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 8.2% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,982
-1.5% YoY+2.1% QoQ
|
-22.1K |
96,048
-2.7% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$1.2B
+7.8% YoY+2.4% QoQ
|
$-498.2M |
$1.7B
+0.4% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$967.8M
+14.0% YoY+5.0% QoQ
|
$-245.9M |
$1.2B
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$1.0B
+4.4% YoY+2.4% QoQ
|
$-423.7M |
$1.5B
+0.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
0.5%
+52.8% YoY-4.8% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
3.3%
+9.2% YoY+3.6% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
76.1%
-4.3% YoY-1.3% QoQ
|
+1.5% |
74.6%
-3.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
0.5%
-6.7% YoY-9.7% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
92.9%
+9.2% YoY+2.6% QoQ
|
+9.7% |
83.2%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$27,164
+10.4% YoY+1.5% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
40.6%
+5.1% YoY+0.9% QoQ
|
+11.8% | 28.8% | 24.4% | 19.8% | Top 9.9% in tier |
| Indirect Auto % |
40.8%
+6.1% YoY+4.1% QoQ
|
+22.7% | 18.1% | 10.8% | 7.7% | Bottom 9.7% 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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)