BlastPoint's Credit Union Scorecard

FIRST TRUST

Charter #68596 · IN

100M-500M

1069 CUs in 100M-500M nationally 19 in IN

FIRST TRUST has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.97% above tier average
+ Efficiency Ratio: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Delinquency rate 0.38% above tier average
- Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- Loan-to-Share Ratio: Bottom 2.4% in tier
- Total Loans: Bottom 5.6% in tier
- Average Member Relationship (AMR): Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	14,934 +3.7% YoY+1.3% QoQ	-503	15,437 -2.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	58%
Assets	$184.7M +4.7% YoY+2.3% QoQ	$-47.1M	$231.9M +1.3% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	46%
Loans	$50.7M +2.5% YoY+1.9% QoQ	$-96.7M	$147.3M -0.1% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	Bottom 5.5% in tier
Deposits	$159.7M +3.2% YoY+2.1% QoQ	$-41.1M	$200.8M +0.8% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	45%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.7% +30.5% YoY+6.8% QoQ	+1.0%	0.8% +18.2% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	Top 5.5% in tier
NIM	3.4% +21.0% YoY+2.0% QoQ	-0.2%	3.6% +6.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	39%
Efficiency Ratio	60.8% -11.0% YoY-2.3% QoQ	-16.2%	77.0% -3.1% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	Top 8.0% in tier
Delinquency Rate	1.3% +405.9% YoY-25.4% QoQ	+0.4	0.9% +4.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	80%
Loan To Share	31.7% -0.7% YoY-0.2% QoQ	-40.5%	72.2% -1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	Bottom 2.3% in tier
AMR	$14,089 -0.6% YoY+0.7% QoQ	$-11K	$24,676 +3.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	Bottom 6.9% in tier
CD Concentration	14.0% -0.2% YoY-3.1% QoQ	-10.4%	24.4%	19.3%	19.8%	50%
Indirect Auto %	4.1% +13.8% YoY+3.3% QoQ	-9.7%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#52 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.68%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.73%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 4.08%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#25 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.73%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.68%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#139 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.68%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 4.08%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#37 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.02% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#177 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.46%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 1.02% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Shrinking Wallet Share

decline

#202 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.61%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Return on Assets (ROA)

profitability

Value: 1.73%

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.83%

Peer Median: -

#87 of 1069 Top 8.0% in 100M-500M tier

110

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#110 of 1069 Top 10.2% in 100M-500M tier

163

Member Growth Rate

growth

Value: 3.68%

Peer Median: -

#163 of 1069 Top 15.2% in 100M-500M tier

205

Share Certificate Concentration (%)

balance_sheet

Value: 13.99%

Peer Median: -

#205 of 1069 Top 19.1% in 100M-500M tier

248

Members Per Employee (MPE)

engagement

Value: 382.923

Peer Median: -

#248 of 1069 Top 23.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1062

Loan-to-Member Ratio (LMR)

engagement

Value: $3,394

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1044

Loan-to-Share Ratio

balance_sheet

Value: 31.73%

Peer Median: -

#1044 of 1069 Bottom 2.4% in 100M-500M tier

1010

Total Loans

balance_sheet

Value: $50.68M

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

995

Average Member Relationship (AMR)

engagement

Value: $14,089

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

903

AMR Growth Rate

growth

Value: -0.61%

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

861

Total Delinquency Rate (60+ days)

risk

Value: 1.28%

Peer Median: -

#861 of 1069 Bottom 19.6% in 100M-500M tier