BlastPoint's Credit Union Scorecard
AMERICA'S FIRST NETWORK
Charter #68680 · CT
AMERICA'S FIRST NETWORK has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 1.1% in tier
- + Organic Growth Engine: Top 10.4% in tier
- + Net Interest Margin 0.39% above tier average
- + Strong member growth: 18.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.1% in tier
- + Deposit Growth Rate: Top 2.4% in tier
- + Asset Growth Rate: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.5% in tier
- - Shrinking Wallet Share: Bottom 15.1% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 13.40% above tier (higher cost structure)
- - Delinquency rate 0.12% above tier average
- - Total Assets: Bottom 1.7% in tier
- - Total Deposits: Bottom 3.3% in tier
- - Fee Income Per Member: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,548
+18.5% YoY+0.3% QoQ
|
-6.1K |
15,628
-3.4% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$102.5M
+19.9% YoY-0.5% QoQ
|
$-128.8M |
$231.3M
-0.0% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.6% in tier |
| Loans |
$61.1M
+10.2% YoY+3.7% QoQ
|
$-86.7M |
$147.8M
-1.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.3% in tier |
| Deposits |
$90.6M
+20.4% YoY-0.5% QoQ
|
$-109.7M |
$200.3M
-0.0% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.2% in tier |
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| ROA |
0.3%
+23.6% YoY-27.0% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
4.0%
+3.1% YoY-2.4% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
90.7%
-0.7% YoY-0.4% QoQ
|
+13.4% |
77.3%
-3.0% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
1.0%
-19.4% YoY-22.3% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
67.4%
-8.4% YoY+4.2% QoQ
|
-5.3% |
72.7%
-1.5% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$15,889
-2.1% YoY+0.9% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
19.1%
+9.1% YoY+10.0% QoQ
|
-5.3% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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 (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)