BlastPoint's Credit Union Scorecard
FIRST SERVICE
Charter #68605 · TX
FIRST SERVICE has 2 strengths but faces 4 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
- + Net Interest Margin 0.38% above tier average
- + Strong member growth: 5.7% YoY
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.9% in tier
- - Indirect Auto Dependency: Bottom 48.9% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 6.51% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +3.3% year over year ($1.27B in shares and deposits).
- Membership: 108,888 members, +5.7% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 0.49%.
- Efficiency ratio 79.53% vs a 73.02% peer average.
- Loan-to-share ratio 93.23% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
108,888
+5.7% YoY+0.6% QoQ
|
+12.0K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$1.5B
+5.4% YoY+1.4% QoQ
|
$-226.4M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$1.2B
+8.3% YoY+2.4% QoQ
|
$-46.8M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$1.3B
+3.3% YoY-2.1% QoQ
|
$-189.7M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.5%
+22.9% YoY+103.1% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
3.8%
+3.6% YoY+4.6% QoQ
|
+0.4% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
79.5%
-2.8% YoY-3.7% QoQ
|
+6.5% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
0.6%
-19.9% YoY+17.8% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
93.2%
+4.8% YoY+4.6% QoQ
|
+8.5% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$22,602
-0.1% YoY-0.6% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
37.9%
+5.4% YoY+0.7% QoQ
|
+8.8% | 29.1% | 21.6% | 20.0% | Top 14.9% in tier |
| Indirect Auto % |
15.7%
+63.4% YoY+12.1% QoQ
|
-2.4% | 18.1% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)