BlastPoint's Credit Union Scorecard

SERVICE FIRST

Charter #77 · SD

100M-500M

1070 CUs in 100M-500M nationally 9 in SD

SERVICE FIRST has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.28% below tier average
- Efficiency ratio 7.35% above tier (higher cost structure)
- Delinquency rate 0.06% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	16,466 -3.2% YoY-0.8% QoQ	+1.3K	15,145 -2.5% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	65%
Assets	$210.1M +2.1% YoY+2.1% QoQ	$-21.7M	$231.7M +0.8% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	54%
Loans	$109.9M +0.8% YoY+0.2% QoQ	$-34.2M	$144.1M +0.2% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	43%
Deposits	$192.3M +1.4% YoY+2.8% QoQ	$-8.8M	$201.1M +0.4% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	57%

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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	0.5% -27.0% YoY-12.1% QoQ	-0.3%	0.7% +5.1% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	33%
NIM	3.8% +4.8% YoY-2.4% QoQ	+0.1%	3.6% +4.6% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	85.4% -2.5% YoY+1.5% QoQ	+7.3%	78.0% -1.7% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	73%
Delinquency Rate	0.8% +601.6% YoY-33.4% QoQ	+0.1	0.8% +7.1% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	67%
Loan To Share	57.2% -0.5% YoY-2.5% QoQ	-13.3%	70.4% -0.4% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	22%
AMR	$18,354 +4.6% YoY+2.7% QoQ	$-7K	$24,918 +2.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	22%
CD Concentration	10.1% -3.2% YoY-1.4% QoQ	-14.2%	24.3%	28.7%	19.8%	50%
Indirect Auto %	5.3% +156.0% YoY-9.8% QoQ	-8.5%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#69 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.71% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Stagnation Risk

risk

#204 of 570 • Bottom 50.0% 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): -3.25%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.81%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.83%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

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

Membership Headwinds

decline

#239 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.25%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

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

Credit Risk Growth

risk

#254 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.81%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.71% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#345 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 85.37%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.17% points

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

worse than tier avg

Member Growth (YoY): -3.25%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (1 metrics)

113

Share Certificate Concentration (%)

balance_sheet

Value: 10.07%

Peer Median: 23.10%

#113 of 1070 Top 10.5% in 100M-500M tier

Top Weaknesses (6 metrics)

928

Net Worth Ratio

risk

Value: 8.97%

Peer Median: 11.45%

#928 of 1070 Bottom 13.4% in 100M-500M tier

897

Net Charge-Off Rate

risk

Value: 0.82%

Peer Median: 0.35%

#897 of 1070 Bottom 16.3% in 100M-500M tier

871

Member Growth Rate

growth

Value: -3.25%

Peer Median: -0.06%

#871 of 1070 Bottom 18.7% in 100M-500M tier

856

Loan-to-Member Ratio (LMR)

engagement

Value: $6,675

Peer Median: $9,356

#856 of 1070 Bottom 20.1% in 100M-500M tier

840

Loan-to-Share Ratio

balance_sheet

Value: 57.16%

Peer Median: 71.88%

#840 of 1070 Bottom 21.6% in 100M-500M tier

832

Average Member Relationship (AMR)

engagement

Value: $18,354

Peer Median: $22,931

#832 of 1070 Bottom 22.3% in 100M-500M tier