BlastPoint's Credit Union Scorecard

FINANCIAL CENTER FIRST

Charter #68658 · IN

Community 750M-1B

117 CUs in 750M-1B nationally 5 in IN

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FINANCIAL CENTER FIRST has 4 strengths but faces 7 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

+ Wallet Share Momentum: Top 3.1% in tier
+ Net Interest Margin 0.22% above tier average
+ Loan Growth Rate: Top 1.7% in tier
+ AMR Growth Rate: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 15.3% in tier
- Indirect Auto Dependency: Bottom 36.7% in tier
- Membership Headwinds: Bottom 82.3% in tier
- Stagnation Risk: Bottom 82.3% in tier
- ROA 0.49% below tier average
- Efficiency ratio 13.88% above tier (higher cost structure)
- Member decline: -3.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	56,289 -3.3% YoY-3.2% QoQ	+4.8K	51,500 +0.7% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	62%
Assets	$952.6M +5.7% YoY+0.0% QoQ	+$87.0M	$865.6M +0.9% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	85%
Loans	$647.1M +22.4% YoY+0.9% QoQ	+$51.9M	$595.3M +1.6% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	63%
Deposits	$820.7M +4.8% YoY+1.5% QoQ	+$78.5M	$742.2M +0.6% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	81%

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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	0.3% +362.3% YoY+222.8% QoQ	-0.5%	0.8% +45.0% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	18%
NIM	3.7% +13.5% YoY+3.4% QoQ	+0.2%	3.5% +6.1% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	65%
Efficiency Ratio	89.4% +0.8% YoY-0.0% QoQ	+13.9%	75.5% -3.4% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	Bottom 6.8% in tier
Delinquency Rate	0.7% -29.7% YoY-48.3% QoQ	+0.0	0.7% -0.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	60%
Loan To Share	78.8% +16.8% YoY-0.6% QoQ	-1.8%	80.6% +0.7% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	38%
AMR	$26,077 +15.7% YoY+4.6% QoQ	$-3K	$28,908 +0.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	48%
CD Concentration	25.7% -13.0% YoY-3.2% QoQ	+1.4%	24.3%	18.9%	19.8%	56%
Indirect Auto %	29.0% -0.1% YoY+1.1% QoQ	+15.2%	13.8%	10.4%	7.7%	83%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#41 of 491 • Top 3.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 15.70%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#103 of 504 • Bottom 36.7% in tier

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

Why This Signature

Asset Growth (YoY): 5.69%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 29.02%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.30%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#239 of 596 • Bottom 15.3% in tier

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

Why This Signature

Efficiency Ratio: 89.42%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.21% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.30%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Membership Headwinds

decline

#237 of 570 • Bottom 82.3% in tier

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

Why This Signature

Member Growth (YoY): -3.30%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#423 of 570 • Bottom 82.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.30%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 22.42%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.66%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

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 117 peers in tier

Top Strengths (4 metrics)

Loan Growth Rate

growth

Value: 22.42%

Peer Median: 4.33%

#3 of 117 Top 1.7% in 750M-1B tier

AMR Growth Rate

growth

Value: 15.70%

Peer Median: 3.70%

#4 of 117 Top 2.6% in 750M-1B tier

Total Assets

balance_sheet

Value: $952.63M

Peer Median: $858.87M

#18 of 117 Top 14.5% in 750M-1B tier

Total Deposits

balance_sheet

Value: $820.72M

Peer Median: $735.65M

#22 of 117 Top 17.9% in 750M-1B tier

Top Weaknesses (4 metrics)

110

Efficiency Ratio

profitability

Value: 89.42%

Peer Median: 77.38%

#110 of 117 Bottom 6.8% in 750M-1B tier

Member Growth Rate

growth

Value: -3.30%

Peer Median: 0.97%

#99 of 117 Bottom 16.2% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.63%

#96 of 117 Bottom 18.8% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 29.02%

Peer Median: 13.79%

#95 of 117 Bottom 19.7% in 750M-1B tier