FINANCIAL CENTER FIRST
Charter #68658 | IN
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
4 750M-1B in IN
FINANCIAL CENTER FIRST has 1 strength but faces 15 concerns
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
- - Liquidity Overhang: Bottom 30.8% 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
|
64th in tier |
| 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
|
63rd in tier |
| 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
|
36th in tier |
| 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
|
74th in tier |
| 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
|
62nd in tier |
| 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
|
Top 16.1% in tier |
| 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
|
Bottom 25.0% in tier |
| 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
|
36th in tier |
| 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
|
59th in tier |
| Indirect Auto % |
32.2%
-30.8% YoY+3.0% QoQ
|
+18.3% |
14.0%
-5.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
Top 15.0% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (9)
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: $859.01M, National: $547.69M)
Member Growth (YoY):
-6.40%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-19.34%
(Tier:
3.64%, National:
36.38%)
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%)
AMR Growth (YoY):
-2.29%
(Tier:
3.68%, National:
4.19%)
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%)
550 of 281 Community CUs have this signature
| 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)
736 of 281 Community CUs have this signature
| 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%)
ROA Change (YoY):
0.03% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-6.40%
(Tier:
0.88%, National:
9.37%)
521 of 281 Community CUs have this signature
| 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%)
Indirect Auto %:
32.23%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-6.40%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 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%)
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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.14%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-6.40%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$23.0K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
26.90%
(Tier:
24.41%, National:
19.60%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#477 of 552 • Bottom 30.8% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.08%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
74.36%
(Tier:
74.56%, National:
67.96%)
552 of 281 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
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)
Top Strengths (1 metrics)
29
Total Deposits
balance_sheet
Value:
$777.11M
Peer Avg: $734.17M
#29 of 112
Top 25.0% in 750M-1B tier
Top Weaknesses (8 metrics)
112
Loan Growth Rate
growth
Value:
-19.34%
Peer Avg: 4.84%
#112 of 112
Bottom 0.9% in 750M-1B tier
107
Member Growth Rate
growth
Value:
-6.40%
Peer Avg: 1.14%
#107 of 112
Bottom 5.4% in 750M-1B tier
106
Efficiency Ratio
profitability
Value:
89.28%
Peer Avg: 74.52%
#106 of 112
Bottom 6.2% in 750M-1B tier
101
AMR Growth Rate
growth
Value:
-2.29%
Peer Avg: 4.90%
#101 of 112
Bottom 10.7% in 750M-1B tier
99
Return on Assets (ROA)
profitability
Value:
0.14%
Peer Avg: 0.71%
#99 of 112
Bottom 12.5% in 750M-1B tier
95
Total Delinquency Rate (60+ days)
risk
Value:
1.35%
Peer Avg: 0.82%
#95 of 112
Bottom 16.1% in 750M-1B tier
94
Indirect Auto Concentration (%)
balance_sheet
Value:
32.23%
Peer Avg: 16.60%
#94 of 112
Bottom 17.0% in 750M-1B tier
89
Deposit Growth Rate
growth
Value:
1.57%
Peer Avg: 5.03%
#89 of 112
Bottom 21.4% in 750M-1B tier