BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #68530 · OR
FIRST COMMUNITY has 6 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
- + Wallet Share Momentum: Top 18.9% in tier
- + ROA 0.74% above tier average
- + Net Interest Margin 0.18% above tier average
- + Total Delinquency Rate (60+ days): Top 0.7% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
- + Share Certificate Concentration (%): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 3.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,287
-0.0% YoY+0.9% QoQ
|
-7.8K |
96,048
-2.7% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$1.8B
+5.7% YoY+5.8% QoQ
|
+$93.1M |
$1.7B
+0.4% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$1.3B
+13.0% YoY+1.8% QoQ
|
+$96.0M |
$1.2B
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$1.5B
+2.4% YoY+3.7% QoQ
|
+$73.6M |
$1.5B
+0.5% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
1.5%
+32.0% YoY+23.4% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
Top 7.2% in tier |
| NIM |
3.5%
+9.9% YoY+1.8% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
66.8%
-6.5% YoY-5.7% QoQ
|
-7.8% |
74.6%
-3.0% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.0%
-12.9% YoY-18.7% QoQ
|
-0.7 |
0.8%
+6.9% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.7% in tier |
| Loan To Share |
85.1%
+10.3% YoY-1.8% QoQ
|
+1.9% |
83.2%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$32,268
+7.0% YoY+1.9% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
13.9%
+10.6% YoY+22.8% QoQ
|
-14.9% | 28.8% | 16.7% | 19.8% | Bottom 5.0% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 13.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
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)