BlastPoint's Credit Union Scorecard

PARTNERS 1ST

Charter #7688 · IN

Community 500M-750M

167 CUs in 500M-750M nationally 4 in IN

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PARTNERS 1ST has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 33.5% in tier
+ Net Charge-Off Rate: Top 1.8% in tier
+ Loan-to-Share Ratio: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.0% in tier
- Liquidity Strain: Bottom 7.0% in tier
- Membership Headwinds: Bottom 64.7% in tier
- Stagnation Risk: Bottom 64.7% in tier
- Indirect Auto Dependency: Bottom 72.3% in tier
- ROA 0.69% below tier average
- Efficiency ratio 18.50% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	44,515 -1.1% YoY+0.3% QoQ	+6.4K	38,079 -4.8% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	76%
Assets	$548.4M +1.6% YoY+3.2% QoQ	$-71.3M	$619.7M -0.2% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	24%
Loans	$453.4M +7.2% YoY+5.1% QoQ	+$34.1M	$419.3M -1.4% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	64%
Deposits	$484.6M +1.5% YoY+3.2% QoQ	$-54.9M	$539.5M -0.1% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.0% -101.0% QoQ	-0.7%	0.7% +36.0% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	Bottom 6.0% in tier
NIM	3.5% +6.5% YoY+0.1% QoQ	+0.0%	3.5% +4.5% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	96.9% +0.2% YoY+3.3% QoQ	+18.5%	78.4% -3.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	Bottom 3.6% in tier
Delinquency Rate	0.5% -6.9% YoY-11.1% QoQ	-0.2	0.7% -0.9% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	38%
Loan To Share	93.6% +5.6% YoY+1.8% QoQ	+15.9%	77.7% -1.2% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	Top 10.2% in tier
AMR	$21,072 +5.4% YoY+3.8% QoQ	$-6K	$26,927 +3.1% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	19%
CD Concentration	27.4% +15.2% YoY-4.5% QoQ	+3.1%	24.3%	18.9%	19.8%	63%
Indirect Auto %	44.2% -3.0% YoY-3.3% QoQ	+30.4%	13.8%	10.4%	7.7%	Bottom 5.5% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#447 of 491 • Top 33.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.37%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#3 of 596 • Bottom 4.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 96.89%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#166 of 504 • Bottom 72.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.63%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 44.19%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Strain

risk

#87 of 183 • Bottom 7.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.57%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Membership Headwinds

decline

#472 of 570 • Bottom 64.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#526 of 570 • Bottom 64.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 7.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.49%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (3 metrics)

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: 0.39%

#4 of 167 Top 1.8% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.57%

Peer Median: 79.97%

#17 of 167 Top 9.6% in 500M-750M tier

Total Members

engagement

Value: 44,515

Peer Median: 36,874

#40 of 167 Top 23.4% in 500M-750M tier

Top Weaknesses (7 metrics)

162

Efficiency Ratio

profitability

Value: 96.89%

Peer Median: 78.61%

#162 of 167 Bottom 3.6% in 500M-750M tier

158

Indirect Auto Concentration (%)

balance_sheet

Value: 44.19%

Peer Median: 10.91%

#158 of 167 Bottom 6.0% in 500M-750M tier

157

Return on Assets (ROA)

profitability

Value: -0.00%

Peer Median: 0.61%

#157 of 167 Bottom 6.6% in 500M-750M tier

144

Members Per Employee (MPE)

engagement

Value: 247.306

Peer Median: 318.730

#144 of 167 Bottom 14.4% in 500M-750M tier

135

Average Member Relationship (AMR)

engagement

Value: $21,072

Peer Median: $25,600

#135 of 167 Bottom 19.8% in 500M-750M tier

127

Total Assets

balance_sheet

Value: $548.36M

Peer Median: $619.16M

#127 of 167 Bottom 24.6% in 500M-750M tier

127

Total Deposits

balance_sheet

Value: $484.57M

Peer Median: $543.36M

#127 of 167 Bottom 24.6% in 500M-750M tier