BlastPoint's Credit Union Scorecard
AMERICA'S FIRST NETWORK
Charter #68680 · CT
AMERICA'S FIRST NETWORK has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.47% above tier average
- + Strong member growth: 14.3% YoY
- + Member Growth Rate: Top 2.4% in tier
- + Asset Growth Rate: Top 2.8% in tier
- + Deposit Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 13.87% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
- - Total Assets: Bottom 1.9% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Fee Income Per Member: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,504
+14.3% YoY-0.5% QoQ
|
-5.9K |
15,437
-2.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$102.7M
+16.9% YoY+0.2% QoQ
|
$-129.2M |
$231.9M
+1.3% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.8% in tier |
| Loans |
$61.8M
+10.7% YoY+1.2% QoQ
|
$-85.5M |
$147.3M
-0.1% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.9% in tier |
| Deposits |
$90.6M
+17.0% YoY+0.0% QoQ
|
$-110.2M |
$200.8M
+0.8% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.8% in tier |
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| ROA |
0.3%
-2.5% YoY+2.2% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
4.1%
+3.7% YoY+2.5% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
90.9%
+0.6% YoY+0.2% QoQ
|
+13.9% |
77.0%
-3.1% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
1.1%
-2.9% YoY+9.1% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
68.2%
-5.4% YoY+1.2% QoQ
|
-4.0% |
72.2%
-1.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$16,038
+0.0% YoY+0.9% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.7% in tier |
| CD Concentration |
18.9%
+6.3% YoY-1.1% QoQ
|
-5.5% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)