BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #68530 · OR
FIRST COMMUNITY has 11 strengths but faces 4 concerns
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
- + Credit Quality Leader: Top 2.1% in tier
- + Wallet Share Momentum: Top 20.0% in tier
- + Profitability Leader: Top 52.1% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.7% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
- + Share Certificate Concentration (%): Top 3.9% in tier
- + Loan Growth Rate: Top 5.9% in tier
- + AMR Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.6% in tier
- - Membership Headwinds: Bottom 18.8% in tier
- - Member decline: -2.4% YoY
- - Members Per Employee (MPE): Bottom 3.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,689
-2.4% YoY+0.6% QoQ
|
-12.0K |
98,678
-1.9% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$1.7B
+3.8% YoY+0.7% QoQ
|
+$14.6M |
$1.7B
+0.5% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$1.2B
+15.5% YoY-0.3% QoQ
|
$-72.2M |
$1.2B
+0.5% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$1.5B
+2.8% YoY+0.4% QoQ
|
+$56.3M |
$1.5B
+1.3% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
1.2%
+55.8% YoY+1.9% QoQ
|
+0.5% |
0.7%
+13.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
Top 11.5% in tier |
| NIM |
3.4%
+13.5% YoY+2.2% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
69.5%
-9.1% YoY-0.4% QoQ
|
-4.5% |
74.0%
-10.9% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.0%
-42.8% YoY-17.9% QoQ
|
-0.8 |
0.8%
+6.1% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
76.8%
+12.3% YoY-0.7% QoQ
|
-8.4% |
85.2%
-0.8% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$30,817
+10.7% YoY-0.5% QoQ
|
+$2K |
$29,172
+2.8% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
12.1%
+7.2% YoY-7.9% QoQ
|
-16.9% |
29.0%
+0.7% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
Bottom 3.7% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)