BlastPoint's Credit Union Scorecard
FIRST SERVICE
Charter #68605 · TX
FIRST SERVICE has 4 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 34.8% in tier
- + Organic Growth Engine: Top 61.0% in tier
- + Net Interest Margin 0.42% above tier average
- + Strong member growth: 5.0% YoY
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 74.5% in tier
- - Efficiency Drag: Bottom 100.0% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 6.92% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
106,409
+5.0% YoY+1.5% QoQ
|
+9.0K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$1.5B
-8.7% YoY+2.6% QoQ
|
$-256.7M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$1.1B
+8.4% YoY+3.2% QoQ
|
$-85.9M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$1.3B
+5.8% YoY+1.9% QoQ
|
$-202.2M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.4%
+434.2% YoY+1.6% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
3.7%
+23.8% YoY-0.2% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
81.0%
-2.7% YoY-0.5% QoQ
|
+6.9% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.6%
-30.4% YoY-20.5% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
91.4%
+2.4% YoY+1.3% QoQ
|
+6.6% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$22,608
+1.9% YoY+1.0% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
37.8%
+5.3% YoY+4.8% QoQ
|
+8.8% | 29.0% | 21.2% | 19.8% | 84% |
| Indirect Auto % |
12.9%
+69.0% YoY+18.4% QoQ
|
-5.4% | 18.3% | 7.1% | 7.8% | 43% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)