BlastPoint's Credit Union Scorecard
FIRST COMMUNITY
Charter #68530 · OR
FIRST COMMUNITY has 9 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
- + Wallet Share Momentum: Top 21.3% in tier
- + ROA 0.50% above tier average
- + Net Interest Margin 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.3% in tier
- + Share Certificate Concentration (%): Top 3.0% in tier
- + Net Charge-Off Rate: Top 3.3% in tier
- + Loan Growth Rate: Top 6.0% in tier
- + AMR Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 54.8% in tier
- - Stagnation Risk: Bottom 92.9% in tier
- - Member decline: -2.2% YoY
- - Members Per Employee (MPE): Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,500
-2.2% YoY+0.9% QoQ
|
-9.9K |
97,431
-2.4% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$1.7B
+2.1% YoY-1.2% QoQ
|
$-10.6M |
$1.7B
+0.9% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$1.3B
+16.6% YoY+10.8% QoQ
|
+$51.7M |
$1.2B
+0.5% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$1.5B
+2.3% YoY-1.7% QoQ
|
+$25.1M |
$1.5B
+0.9% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
1.2%
+38.0% YoY-3.7% QoQ
|
+0.5% |
0.7%
+20.9% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
Top 13.2% in tier |
| NIM |
3.5%
+14.0% YoY+2.7% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
70.8%
-6.4% YoY+1.9% QoQ
|
-3.2% |
74.1%
-9.5% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.1%
-15.4% YoY+28.2% QoQ
|
-0.8 |
0.9%
+6.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.3% in tier |
| Loan To Share |
86.6%
+13.9% YoY+12.8% QoQ
|
+1.9% |
84.8%
-0.8% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$31,662
+10.9% YoY+2.7% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
11.4%
+2.0% YoY-6.2% QoQ
|
-17.7% | 29.0% | 16.6% | 19.8% | Bottom 2.9% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 13.7% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)