BlastPoint's Credit Union Scorecard
FINANCIAL CENTER FIRST
Charter #68658 · IN
FINANCIAL CENTER FIRST has 5 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 2.2% in tier
- + Net Interest Margin 0.18% above tier average
- + AMR Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 1.8% in tier
- + Total Assets: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.0% in tier
- - Indirect Auto Dependency: Bottom 48.0% in tier
- - Membership Headwinds: Bottom 93.3% in tier
- - Stagnation Risk: Bottom 93.3% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 12.57% above tier (higher cost structure)
- - Member decline: -6.5% YoY
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Indiana.
- Shares and deposits +2.9% year over year ($817M in shares and deposits).
- Membership: 56,404 members, -6.5% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 0.33%.
- Efficiency ratio 87.10% vs a 74.54% peer average.
- Loan-to-share ratio 82.61% vs a 82.60% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,404
-6.5% YoY+0.2% QoQ
|
+3.9K |
52,482
+1.3% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$961.8M
+4.5% YoY+1.0% QoQ
|
+$97.8M |
$863.9M
+0.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Top 9.0% in tier |
| Loans |
$675.0M
+21.9% YoY+4.3% QoQ
|
+$67.2M |
$607.8M
+2.1% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$817.0M
+2.9% YoY-0.5% QoQ
|
+$77.1M |
$739.9M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.3%
+450.8% YoY+22.6% QoQ
|
-0.5% |
0.8%
+30.4% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.7%
+9.4% YoY+0.7% QoQ
|
+0.2% |
3.5%
+6.2% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
87.1%
-4.5% YoY-2.6% QoQ
|
+12.6% |
74.5%
-1.4% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
0.8%
-30.4% YoY+16.1% QoQ
|
+0.0 |
0.8%
+1.0% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
82.6%
+18.5% YoY+4.8% QoQ
|
+0.0% |
82.6%
+1.9% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$26,452
+18.4% YoY+1.4% QoQ
|
$-2K |
$28,702
+0.4% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
26.1%
-3.5% YoY+1.6% QoQ
|
+1.5% | 24.6% | 19.4% | 20.0% | 57% |
| Indirect Auto % |
29.5%
-5.6% YoY+1.8% QoQ
|
+15.9% | 13.6% | 11.1% | 7.7% | 84% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)