BlastPoint's Credit Union Scorecard
FAMILY 1ST
Charter #7383 · PA
FAMILY 1ST has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Delinquency rate 0.30% above tier average
- - Member decline: -4.9% YoY
- - Net Charge-Off Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,686
-4.9% YoY-1.4% QoQ
|
-939 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$15.6M
-4.0% YoY-5.1% QoQ
|
$-14.2M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$9.1M
-16.1% YoY-2.6% QoQ
|
$-6.7M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$13.6M
-4.2% YoY-5.6% QoQ
|
$-11.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
-0.6%
-171.7% YoY+16.2% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.0% in tier |
| NIM |
3.4%
+2.7% YoY+5.6% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
71.4%
-6.6% YoY-0.3% QoQ
|
-10.0% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
1.8%
-4.3% YoY-45.1% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
67.1%
-12.4% YoY+3.2% QoQ
|
+5.9% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$13,454
-4.7% YoY-3.1% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
31.4%
-3.6% YoY-5.2% QoQ
|
+7.0% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)