BlastPoint's Credit Union Scorecard
COMMUNITY 1ST
Charter #68510 · IA
COMMUNITY 1ST has 1 strength but faces 8 concerns
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How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.1% in tier
- - Liquidity Strain: Bottom 26.6% in tier
- - Credit Risk Growth: Bottom 69.2% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 2.53% above tier (higher cost structure)
- - Delinquency rate 2.52% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,400
+0.3% YoY+0.1% QoQ
|
-23.6K |
96,048
-2.7% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$1.1B
+3.2% YoY+3.1% QoQ
|
$-621.5M |
$1.7B
+0.4% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.8% in tier |
| Loans |
$911.2M
+2.4% YoY+0.1% QoQ
|
$-302.5M |
$1.2B
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$974.9M
+3.1% YoY+3.6% QoQ
|
$-490.7M |
$1.5B
+0.5% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.1% in tier |
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| ROA |
0.3%
-34.5% YoY-32.1% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
4.0%
+0.3% YoY-3.9% QoQ
|
+0.7% |
3.4%
+6.2% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Top 11.1% in tier |
| Efficiency Ratio |
77.2%
-7.0% YoY-2.5% QoQ
|
+2.5% |
74.6%
-3.0% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
3.3%
+104.7% YoY-7.0% QoQ
|
+2.5 |
0.8%
+6.9% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
93.5%
-0.7% YoY-3.4% QoQ
|
+10.3% |
83.2%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$26,050
+2.4% YoY+1.7% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
26.1%
+3.6% YoY-3.7% QoQ
|
-2.7% | 28.8% | 21.8% | 19.8% | 40% |
| Indirect Auto % |
6.2%
+1.4% YoY+0.6% QoQ
|
-11.8% | 18.1% | 9.2% | 7.7% | 28% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)