BlastPoint's Credit Union Scorecard

FIRST SERVICE

Charter #68605 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

View Mid-Market leaderboard →

FIRST SERVICE has 3 strengths but faces 3 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 25.0% in tier
+ Organic Growth Engine: Top 25.0% in tier
+ Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 17.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 7.95% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	108,239 +4.7% YoY+1.7% QoQ	+12.2K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	69%
Assets	$1.5B +4.7% YoY+0.7% QoQ	$-242.5M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	44%
Loans	$1.2B +7.7% YoY+0.9% QoQ	$-54.5M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	57%
Deposits	$1.3B +4.5% YoY+3.5% QoQ	$-164.4M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	49%

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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	0.2% -55.2% YoY-43.3% QoQ	-0.5%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 12.7% in tier
NIM	3.6% +8.4% YoY-1.6% QoQ	+0.3%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	82.6% +5.5% YoY+2.0% QoQ	+7.9%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.5% -37.6% YoY-7.0% QoQ	-0.2	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	41%
Loan To Share	89.1% +3.0% YoY-2.5% QoQ	+5.9%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	61%
AMR	$22,732 +1.2% YoY+0.5% QoQ	$-7K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	17%
CD Concentration	37.6% +8.1% YoY-0.5% QoQ	+8.8%	28.8%	21.3%	19.8%	85%
Indirect Auto %	14.0% +54.8% YoY+9.0% QoQ	-4.1%	18.1%	6.9%	7.7%	46%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#41 of 116 • Top 25.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.72%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 14.02%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#104 of 115 • Top 25.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.72%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.24%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 14.02%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#85 of 100 • Bottom 17.0% in tier

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

Why This Signature

Efficiency Ratio: 82.58%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.30% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 4.72%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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 306 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 439.996

Peer Median: 345.077

#52 of 306 Top 16.7% in 1B-3B tier

Member Growth Rate

growth

Value: 4.72%

Peer Median: 2.03%

#70 of 306 Top 22.5% in 1B-3B tier

Top Weaknesses (6 metrics)

268

Share Certificate Concentration (%)

balance_sheet

Value: 37.62%

Peer Median: 27.93%

#268 of 306 Bottom 12.7% in 1B-3B tier

267

Return on Assets (ROA)

profitability

Value: 0.24%

Peer Median: 0.66%

#267 of 306 Bottom 13.1% in 1B-3B tier

253

Average Member Relationship (AMR)

engagement

Value: $22,732

Peer Median: $28,178

#253 of 306 Bottom 17.6% in 1B-3B tier

249

Efficiency Ratio

profitability

Value: 82.58%

Peer Median: 75.16%

#249 of 306 Bottom 19.0% in 1B-3B tier

246

Net Charge-Off Rate

risk

Value: 0.83%

Peer Median: 0.51%

#246 of 306 Bottom 19.9% in 1B-3B tier

234

Loan-to-Member Ratio (LMR)

engagement

Value: $10,710

Peer Median: $12,733

#234 of 306 Bottom 23.9% in 1B-3B tier