BlastPoint's Credit Union Scorecard
FINANCIAL CENTER FIRST
Charter #68658 · IN
FINANCIAL CENTER FIRST has 4 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 2.9% in tier
- + Net Interest Margin 0.15% above tier average
- + AMR Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.1% in tier
- - Membership Headwinds: Bottom 13.0% in tier
- - Efficiency Drag: Bottom 38.4% in tier
- - Stagnation Risk: Bottom 41.4% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 15.11% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - Member decline: -7.4% YoY
- - Member Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,129
-7.4% YoY-1.5% QoQ
|
+6.0K |
52,084
-1.6% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$952.2M
+7.8% YoY+7.1% QoQ
|
+$88.3M |
$863.9M
+0.5% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$641.2M
+26.9% YoY+11.0% QoQ
|
+$35.4M |
$605.8M
+1.4% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$808.5M
+5.3% YoY+4.0% QoQ
|
+$71.2M |
$737.3M
+0.1% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.1%
-51.3% YoY-41.7% QoQ
|
-0.7% |
0.7%
+39.1% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.5% in tier |
| NIM |
3.5%
+12.7% YoY-0.1% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
89.5%
-8.1% YoY+0.2% QoQ
|
+15.1% |
74.3%
-3.6% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
1.3%
-6.7% YoY-5.4% QoQ
|
+0.4 |
0.9%
+3.8% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
79.3%
+20.6% YoY+6.7% QoQ
|
-3.3% |
82.6%
+1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$24,939
+23.0% YoY+8.6% QoQ
|
$-4K |
$28,873
+2.7% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
26.5%
-12.9% YoY-1.4% QoQ
|
+2.1% | 24.4% | 19.3% | 19.8% | 58% |
| Indirect Auto % |
28.7%
+10.1% YoY-10.9% QoQ
|
+14.9% | 13.8% | 10.7% | 7.8% | 82% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)