BlastPoint's Credit Union Scorecard

COMMUNITY 1ST

Charter #68510 · IA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 3 in IA

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COMMUNITY 1ST has 3 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 13.5% in tier
+ Organic Growth Engine: Top 20.7% in tier
+ Net Interest Margin 0.89% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.5% in tier
- Credit Risk Growth: Bottom 3.8% in tier
- Liquidity Strain: Bottom 15.1% in tier
- Efficiency Drag: Bottom 28.9% in tier
- ROA 0.27% below tier average
- Efficiency ratio 6.17% above tier (higher cost structure)
- Delinquency rate 2.11% above tier average
- Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- Members Per Employee (MPE): Bottom 3.3% in tier
- Total Assets: Bottom 4.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	72,447 +4.7% YoY+0.2% QoQ	-26.2K	98,678 -1.9% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	29%
Assets	$1.0B +2.8% YoY-1.0% QoQ	$-676.8M	$1.7B +0.5% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	Bottom 4.3% in tier
Loans	$903.1M +6.3% YoY-0.1% QoQ	$-330.0M	$1.2B +0.5% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	27%
Deposits	$921.9M +2.7% YoY-1.4% QoQ	$-532.4M	$1.5B +1.3% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	Bottom 9.9% in tier

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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	0.4% -51.7% YoY+169.7% QoQ	-0.3%	0.7% +13.4% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	25%
NIM	4.1% +0.8% YoY+3.0% QoQ	+0.9%	3.3% +9.3% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	Top 7.2% in tier
Efficiency Ratio	80.1% +7.0% YoY-2.8% QoQ	+6.2%	74.0% -10.9% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	73%
Delinquency Rate	2.9% +100.2% YoY+5.7% QoQ	+2.1	0.8% +6.1% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	Top 1.3% in tier
Loan To Share	98.0% +3.5% YoY+1.4% QoQ	+12.8%	85.2% -0.8% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	82%
AMR	$25,191 -0.2% YoY-0.9% QoQ	$-4K	$29,172 +2.8% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	36%
CD Concentration	26.2% +1.9% YoY+2.6% QoQ	-2.8%	29.0% +0.7% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	39%
Indirect Auto %	6.4% +5.6% YoY-0.3% QoQ	-12.4%	18.8% -3.0% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	28%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#54 of 138 • Top 13.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.67%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 6.40%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth

#151 of 246 • Top 20.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.67%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.43%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 6.40%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#5 of 217 • Bottom 0.5% in tier

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

Why This Signature

Delinquency Change (YoY): 1.47% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Credit Risk Growth

risk

#22 of 161 • Bottom 3.8% in tier

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

Why This Signature

Loan Growth (YoY): 6.28%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 1.47% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk

#80 of 183 • Bottom 15.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.95%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.28%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Efficiency Drag

risk

#96 of 96 • Bottom 28.9% in tier

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

Why This Signature

Efficiency Ratio: 80.14%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.46% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 4.67%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | New qualifier

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 304 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.15%

Peer Avg: -

#22 of 304 Top 6.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.95%

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Member Growth Rate

growth

Value: 4.67%

Peer Avg: -

#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (5 metrics)

301

Total Delinquency Rate (60+ days)

risk

Value: 2.93%

Peer Avg: -

#301 of 304 Bottom 1.3% in 1B-3B tier

295

Members Per Employee (MPE)

engagement

Value: 233.700

Peer Avg: -

#295 of 304 Bottom 3.3% in 1B-3B tier

291

Total Assets

balance_sheet

Value: $1.04B

Peer Avg: -

#291 of 304 Bottom 4.6% in 1B-3B tier

274

Total Deposits

balance_sheet

Value: $921.95M

Peer Avg: -

#274 of 304 Bottom 10.2% in 1B-3B tier

230

AMR Growth Rate

growth

Value: -0.23%

Peer Avg: -

#230 of 304 Bottom 24.7% in 1B-3B tier