BlastPoint's Credit Union Scorecard
PARTNERS 1ST
Charter #7688 · IN
PARTNERS 1ST has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 4.7% in tier
- + Net Interest Margin 0.08% above tier average
- + AMR Growth Rate: Top 3.0% in tier
- + Loan-to-Share Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.7% in tier
- - Liquidity Strain: Bottom 4.3% in tier
- - Credit Risk Growth: Bottom 16.7% in tier
- - Credit Quality Pressure: Bottom 41.0% in tier
- - Indirect Auto Dependency: Bottom 62.5% in tier
- - Membership Headwinds: Bottom 92.9% in tier
- - Stagnation Risk: Bottom 92.9% in tier
- - ROA 0.63% below tier average
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Indiana.
- Shares and deposits +3.0% year over year ($483M in shares and deposits).
- Membership: 42,068 members, -6.3% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 0.18%.
- Efficiency ratio 94.55% vs a 76.56% peer average.
- Loan-to-share ratio 98.67% vs a 79.33% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,068
-6.3% YoY-5.5% QoQ
|
+4.2K |
37,897
-5.0% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$545.8M
+2.8% YoY-0.5% QoQ
|
$-76.5M |
$622.4M
+0.6% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$476.4M
+10.1% YoY+5.1% QoQ
|
+$47.9M |
$428.5M
-0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$482.9M
+3.0% YoY-0.4% QoQ
|
$-56.9M |
$539.8M
+0.9% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
23% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-12.6% YoY
|
-0.6% |
0.8%
+39.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.3% in tier |
| NIM |
3.6%
+7.3% YoY+3.3% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
94.5%
-0.5% YoY-2.4% QoQ
|
+18.0% |
76.6%
-3.6% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.6%
+14.5% YoY+25.4% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
98.7%
+6.9% YoY+5.4% QoQ
|
+19.3% |
79.3%
-1.4% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 6.7% in tier |
| AMR |
$22,804
+13.6% YoY+8.2% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
28.6%
+10.9% YoY+4.2% QoQ
|
+4.0% | 24.6% | 19.4% | 20.0% | 66% |
| Indirect Auto % |
41.5%
-10.4% YoY-6.0% QoQ
|
+27.9% | 13.6% | 11.1% | 7.7% | Bottom 7.4% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)