BlastPoint's Credit Union Scorecard
PARTNERS 1ST
Charter #7688 · IN
PARTNERS 1ST has 1 strength but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 21.2% in tier
- - Indirect Auto Dependency: Bottom 41.8% in tier
- - Membership Headwinds: Bottom 67.5% in tier
- - Stagnation Risk: Bottom 78.8% in tier
- - Liquidity Strain: Bottom 85.5% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 16.27% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 6.1% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
- - Members Per Employee (MPE): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,391
-1.8% YoY-0.8% QoQ
|
+5.8K |
38,575
-4.8% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$531.5M
-1.0% YoY+0.4% QoQ
|
$-90.2M |
$621.7M
+0.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.9% in tier |
| Loans |
$431.6M
+2.3% YoY-0.8% QoQ
|
+$1.8M |
$429.8M
-1.8% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$469.6M
-1.5% YoY+0.5% QoQ
|
$-69.1M |
$538.7M
+0.6% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.3%
-637.2% YoY+1.3% QoQ
|
-0.4% |
0.7%
+42.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.5%
+14.6% YoY+0.9% QoQ
|
+0.0% |
3.4%
+8.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
93.8%
-3.3% YoY+0.0% QoQ
|
+16.3% |
77.5%
-4.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.6%
-15.4% YoY+17.9% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
91.9%
+3.9% YoY-1.3% QoQ
|
+12.1% |
79.8%
-2.3% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$20,302
+2.1% YoY+0.7% QoQ
|
$-7K |
$26,849
+2.7% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.5% in tier |
| CD Concentration |
28.7%
+18.8% YoY+3.6% QoQ
|
+4.3% | 24.4% | 19.3% | 19.8% | 66% |
| Indirect Auto % |
45.7%
+0.5% YoY-2.7% QoQ
|
+31.9% | 13.8% | 10.7% | 7.8% | Top 4.6% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)