BlastPoint's Credit Union Scorecard

FIRST SERVICE

Charter #68605 · TX

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 26 in TX

View Mid-Market leaderboard →

FIRST SERVICE has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 10.5% in tier
+ Organic Growth Engine: Top 19.5% in tier
+ Net Interest Margin 0.44% above tier average
+ Strong member growth: 5.4% YoY

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.1% in tier
- Liquidity Strain: Bottom 29.2% in tier
- ROA 0.29% below tier average
- Efficiency ratio 7.42% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	104,821 +5.4% YoY+1.8% QoQ	+6.1K	98,678 -1.9% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	62%
Assets	$1.4B +5.3% YoY+0.6% QoQ	$-289.7M	$1.7B +0.5% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	41%
Loans	$1.1B +7.8% YoY+1.5% QoQ	$-120.3M	$1.2B +0.5% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	50%
Deposits	$1.2B +3.9% YoY+0.0% QoQ	$-221.0M	$1.5B +1.3% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +128.2% YoY+5.1% QoQ	-0.3%	0.7% +13.4% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	23%
NIM	3.7% +15.1% YoY+0.8% QoQ	+0.4%	3.3% +9.3% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	79%
Efficiency Ratio	81.4% -5.1% YoY-0.6% QoQ	+7.4%	74.0% -10.9% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	80%
Delinquency Rate	0.7% -15.4% YoY-8.0% QoQ	-0.1	0.8% +6.1% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	53%
Loan To Share	90.2% +3.7% YoY+1.5% QoQ	+5.0%	85.2% -0.8% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	56%
AMR	$22,382 +0.3% YoY-1.1% QoQ	$-7K	$29,172 +2.8% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	17%
CD Concentration	36.1% -0.4% YoY+0.3% QoQ	+7.1%	29.0% +0.7% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	80%
Indirect Auto %	10.9% +71.1% YoY+13.0% QoQ	-7.9%	18.8% -3.0% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	38%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#42 of 138 • Top 10.5% in tier

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

Why This Signature

Member Growth (YoY): 5.37%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 10.87%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth

#142 of 246 • Top 19.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.37%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.42%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 10.87%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Concerns (2)

Efficiency Drag

risk

#87 of 96 • Bottom 26.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.39%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.23% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 5.37%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Liquidity Strain

risk

#154 of 183 • Bottom 29.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.22%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.76%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 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 304 peers in tier

Top Strengths (3 metrics)

Member Growth Rate

growth

Value: 5.37%

Peer Avg: -

#51 of 304 Top 16.4% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.71%

Peer Avg: -

#63 of 304 Top 20.4% in 1B-3B tier

Fee Income Per Member

profitability

Value: $251.06

Peer Avg: -

#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (6 metrics)

252

Average Member Relationship (AMR)

engagement

Value: $22,382

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier

251

Share Certificate Concentration (%)

balance_sheet

Value: 36.07%

Peer Avg: -

#251 of 304 Bottom 17.8% in 1B-3B tier

244

Efficiency Ratio

profitability

Value: 81.39%

Peer Avg: -

#244 of 304 Bottom 20.1% in 1B-3B tier

239

Net Charge-Off Rate

risk

Value: 0.87%

Peer Avg: -

#239 of 304 Bottom 21.7% in 1B-3B tier

234

Return on Assets (ROA)

profitability

Value: 0.42%

Peer Avg: -

#234 of 304 Bottom 23.4% in 1B-3B tier

232

Loan-to-Member Ratio (LMR)

engagement

Value: $10,616

Peer Avg: -

#232 of 304 Bottom 24.0% in 1B-3B tier