BlastPoint's Credit Union Scorecard

FINANCIAL CENTER FIRST

Charter #68658 · IN

Community 750M-1B

112 CUs in 750M-1B nationally 4 in IN

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FINANCIAL CENTER FIRST has 1 strength but faces 14 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.17% above tier average

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 0.1% in tier
- Accelerating Exit Risk: Bottom 2.3% in tier
- Membership Headwinds: Bottom 4.7% in tier
- Credit Quality Pressure: Bottom 4.9% in tier
- Efficiency Drag: Bottom 8.6% in tier
- Indirect Auto Dependency: Bottom 14.0% in tier
- Shrinking Wallet Share: Bottom 14.1% in tier
- Stagnation Risk: Bottom 16.9% in tier
- ROA 0.57% below tier average
- Efficiency ratio 14.76% above tier (higher cost structure)
- Delinquency rate 0.53% above tier average
- Member decline: -6.4% YoY
- Loan Growth Rate: Bottom 0.9% in tier
- Member Growth Rate: Bottom 5.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	59,008 -6.4% YoY-2.2% QoQ	+6.9K	52,114 -2.1% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	64%
Assets	$889.3M +1.0% YoY-3.4% QoQ	+$30.3M	$859.0M +0.0% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	63%
Loans	$577.8M -19.3% YoY+4.4% QoQ	$-25.5M	$603.4M +1.0% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	36%
Deposits	$777.1M +1.6% YoY-2.1% QoQ	+$42.9M	$734.2M +0.9% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% +24.7% YoY+138.7% QoQ	-0.6%	0.7% +27.6% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	Bottom 11.6% in tier
NIM	3.6% +3.2% YoY+5.2% QoQ	+0.2%	3.4% +9.6% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	62%
Efficiency Ratio	89.3% +7.2% YoY-2.1% QoQ	+14.8%	74.5% -3.2% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	Top 6.2% in tier
Delinquency Rate	1.4% +70.1% YoY+22.6% QoQ	+0.5	0.8% +5.0% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	84%
Loan To Share	74.4% -20.6% YoY+6.6% QoQ	-8.3%	82.7% +0.1% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	25%
AMR	$22,962 -2.3% YoY+2.8% QoQ	$-6K	$28,651 +2.5% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	36%
CD Concentration	26.9% -9.3% YoY-0.5% QoQ	+2.5%	24.4% +4.2% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	59%
Indirect Auto %	32.2% -30.8% YoY+3.0% QoQ	+18.3%	14.0% -5.7% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	Top 15.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Institutional Decline

decline

#2 of 256 • Bottom 0.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $889.27M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -6.40%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -19.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#7 of 58 • Bottom 2.3% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -6.40%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -2.29%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 281 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Membership Headwinds

decline

#78 of 550 • Bottom 4.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.40%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#123 of 736 • Bottom 4.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.56% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk

#152 of 521 • Bottom 8.6% in tier

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

Why This Signature

Efficiency Ratio: 89.28%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -6.40%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#226 of 525 • Bottom 14.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.01%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 32.23%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -6.40%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#141 of 244 • Bottom 14.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.29%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Stagnation Risk

risk

#279 of 550 • Bottom 16.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.40%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -19.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.35%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 112 peers in tier

Top Strengths (1 metrics)

Total Deposits

balance_sheet

Value: $777.11M

Peer Avg: -

#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (8 metrics)

112

Loan Growth Rate

growth

Value: -19.34%

Peer Avg: -

#112 of 112 Bottom 0.9% in 750M-1B tier

107

Member Growth Rate

growth

Value: -6.40%

Peer Avg: -

#107 of 112 Bottom 5.4% in 750M-1B tier

106

Efficiency Ratio

profitability

Value: 89.28%

Peer Avg: -

#106 of 112 Bottom 6.2% in 750M-1B tier

101

AMR Growth Rate

growth

Value: -2.29%

Peer Avg: -

#101 of 112 Bottom 10.7% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.14%

Peer Avg: -

#99 of 112 Bottom 12.5% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Avg: -

#95 of 112 Bottom 16.1% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 32.23%

Peer Avg: -

#94 of 112 Bottom 17.0% in 750M-1B tier

Deposit Growth Rate

growth

Value: 1.57%

Peer Avg: -

#89 of 112 Bottom 21.4% in 750M-1B tier