BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #68530 · OR
FIRST COMMUNITY has 8 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 26.9% in tier
- + Wallet Share Momentum: Top 26.9% in tier
- + Organic Growth Engine: Top 37.4% in tier
- + Organic Growth Leader: Top 37.4% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.06% above tier average
- + Total Delinquency Rate (60+ days): Top 0.3% in tier
- + Net Charge-Off Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 3.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 4 that size in Oregon.
- Shares and deposits +7.2% year over year ($1.61B in shares and deposits).
- Membership: 88,962 members, +3.2% vs a year ago.
- Delinquency rate 0.04%.
- Return on assets 1.34%.
- Efficiency ratio 68.12% vs a 73.02% peer average.
- Loan-to-share ratio 80.96% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,962
+3.2% YoY+0.8% QoQ
|
-7.9K |
96,861
-1.9% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$1.9B
+10.0% YoY+4.5% QoQ
|
+$169.5M |
$1.7B
+0.4% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$1.3B
+12.1% YoY-0.3% QoQ
|
+$71.9M |
$1.2B
+0.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$1.6B
+7.2% YoY+4.8% QoQ
|
+$150.0M |
$1.5B
+0.5% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
65% |
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| ROA |
1.3%
+11.2% YoY-8.2% QoQ
|
+0.5% |
0.8%
+27.6% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Top 13.3% in tier |
| NIM |
3.5%
+5.3% YoY-1.4% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
68.1%
-2.4% YoY+2.0% QoQ
|
-4.9% |
73.0%
-2.7% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
0.0%
-32.0% YoY
|
-0.8 |
0.9%
+7.3% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.3% in tier |
| Loan To Share |
81.0%
+4.6% YoY-4.9% QoQ
|
-3.8% |
84.7%
+0.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$32,817
+5.9% YoY+1.7% QoQ
|
+$3K |
$29,575
+1.5% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
16.1%
+22.7% YoY+15.7% QoQ
|
-13.0% | 29.1% | 16.7% | 20.0% | Bottom 7.2% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 13.6% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)