BlastPoint's Credit Union Scorecard

SERVICE FIRST

Charter #77 · SD

1077 CUs in 100M-500M nationally 10 in SD

SERVICE FIRST has 1 strength but faces 12 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 0.23% above tier average

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 3.4% in tier
- Institutional Decline: Bottom 5.1% in tier
- Membership Headwinds: Bottom 10.5% in tier
- Shrinking Wallet Share: Bottom 10.9% in tier
- Stagnation Risk: Bottom 18.4% in tier
- Efficiency Drag: Bottom 20.3% in tier
- Credit Quality Pressure: Bottom 26.9% in tier
- ROA 0.23% below tier average
- Efficiency ratio 6.38% above tier (higher cost structure)
- Member decline: -3.9% YoY
- Loan Growth Rate: Bottom 0.7% in tier
- AMR Growth Rate: Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	16,780 -3.9% YoY-0.9% QoQ	+1.2K	15,628 -3.4% YoY	10,608 +2.1% YoY	33,089 +6.1% YoY	64%
Assets	$202.8M +1.4% YoY-0.9% QoQ	$-28.5M	$231.3M -0.0% YoY	$179.2M +3.1% YoY	$547.7M +7.8% YoY	51%
Loans	$105.0M -16.9% YoY-2.1% QoQ	$-42.8M	$147.8M -1.4% YoY	$123.6M +0.8% YoY	$388.7M +8.6% YoY	37%
Deposits	$185.0M -0.2% YoY-1.4% QoQ	$-15.3M	$200.3M -0.0% YoY	$158.4M +5.8% YoY	$464.6M +9.3% YoY	55%

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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	0.6% +36.3% YoY+4.2% QoQ	-0.2%	0.8% +15.5% YoY	1.2% +16.1% YoY	0.7% +273.4% YoY	37%
NIM	3.8% +12.4% YoY+2.3% QoQ	+0.2%	3.6% +6.9% YoY	4.1% +10.1% YoY	3.7% +5.0% YoY	64%
Efficiency Ratio	83.7% -5.7% YoY-1.1% QoQ	+6.4%	77.3% -3.0% YoY	76.3% -2.5% YoY	79.1% -3.3% YoY	73%
Delinquency Rate	0.4% +6.3% YoY-51.9% QoQ	-0.4	0.9% +7.6% YoY	0.8% -9.0% YoY	1.2% -0.9% YoY	30%
Loan To Share	56.8% -16.7% YoY-0.8% QoQ	-15.9%	72.7% -1.5% YoY	74.1% -0.2% YoY	68.0% -1.7% YoY	17%
AMR	$17,279 -3.3% YoY-0.8% QoQ	$-7K	$24,363 +2.9% YoY	$21,356 +3.4% YoY	$19,418 +1.3% YoY	19%
CD Concentration	10.1% -9.5% YoY+1.5% QoQ	-14.3%	24.4% +4.2% YoY	28.6% +2.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.6% -36.9% YoY-13.4% QoQ	-12.4%	14.0% -5.7% YoY	7.9% +0.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline

#10 of 58 • Bottom 3.4% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -3.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -3.26%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY

Institutional Decline

decline

#41 of 256 • Bottom 5.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $202.77M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -3.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -16.91%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#174 of 550 • Bottom 10.5% in tier

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

Why This Signature

Member Growth (YoY): -3.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#110 of 244 • Bottom 10.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.26%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Stagnation Risk

risk

#303 of 550 • Bottom 18.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -16.91%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#359 of 521 • Bottom 20.3% in tier

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

Why This Signature

Efficiency Ratio: 83.66%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -3.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#667 of 736 • Bottom 26.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (2 metrics)

118

Share Certificate Concentration (%)

balance_sheet

Value: 10.13%

Peer Avg: -

#118 of 1077 Top 10.9% in 100M-500M tier

254

First Mortgage Concentration (%)

balance_sheet

Value: 16.41%

Peer Avg: -

#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1070

Loan Growth Rate

growth

Value: -16.91%

Peer Avg: -

#1070 of 1077 Bottom 0.7% in 100M-500M tier

994

AMR Growth Rate

growth

Value: -3.26%

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

929

Member Growth Rate

growth

Value: -3.87%

Peer Avg: -

#929 of 1077 Bottom 13.8% in 100M-500M tier

927

Net Worth Ratio

risk

Value: 9.08%

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

907

Loan-to-Member Ratio (LMR)

engagement

Value: $6,257

Peer Avg: -

#907 of 1077 Bottom 15.9% in 100M-500M tier

892

Loan-to-Share Ratio

balance_sheet

Value: 56.76%

Peer Avg: -

#892 of 1077 Bottom 17.3% in 100M-500M tier

891

Deposit Growth Rate

growth

Value: -0.24%

Peer Avg: -

#891 of 1077 Bottom 17.4% in 100M-500M tier

870

Average Member Relationship (AMR)

engagement

Value: $17,279

Peer Avg: -

#870 of 1077 Bottom 19.3% in 100M-500M tier