BlastPoint's Credit Union Scorecard
AMERICA'S FIRST NETWORK
Charter #68680 · CT
AMERICA'S FIRST NETWORK has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.37% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 16.32% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
- - Total Assets: Bottom 3.5% in tier
- - Total Deposits: Bottom 5.6% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in Connecticut.
- Shares and deposits +2.5% year over year ($93.4M in shares and deposits).
- Membership: 9,501 members, -0.2% vs a year ago.
- Delinquency rate 1.21%.
- Return on assets 0.23%.
- Efficiency ratio 93.06% vs a 76.73% peer average.
- Loan-to-share ratio 68.80% vs a 71.54% 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 (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,501
-0.2% YoY+0.2% QoQ
|
-5.7K |
15,168
-2.6% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$105.5M
+2.4% YoY-0.3% QoQ
|
$-126.5M |
$232.0M
+0.7% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.4% in tier |
| Loans |
$64.2M
+9.1% YoY+1.7% QoQ
|
$-82.0M |
$146.3M
+0.2% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.5% in tier |
| Deposits |
$93.4M
+2.5% YoY-0.4% QoQ
|
$-107.3M |
$200.7M
+0.2% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.5% in tier |
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| ROA |
0.2%
-42.0% YoY+98.0% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.3% in tier |
| NIM |
4.1%
-0.4% YoY+2.1% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
93.1%
+2.2% YoY-4.3% QoQ
|
+16.3% |
76.7%
-0.8% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate |
1.2%
-3.4% YoY+31.1% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
68.8%
+6.4% YoY+2.1% QoQ
|
-2.7% |
71.5%
-0.3% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$16,587
+5.3% YoY+0.2% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 15.0% in tier |
| CD Concentration |
19.8%
+13.9% YoY-3.7% QoQ
|
-4.8% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
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)