BlastPoint's Credit Union Scorecard

SERVICE FIRST

Charter #77 · SD

100M-500M

1069 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 0.25% 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
- Efficiency Drag: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.25% below tier average
- Efficiency ratio 7.10% above tier (higher cost structure)
- Delinquency rate 0.35% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	16,598 -3.4% YoY-1.1% QoQ	+1.2K	15,437 -2.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	64%
Assets	$205.8M +3.4% YoY+1.5% QoQ	$-26.1M	$231.9M +1.3% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	52%
Loans	$109.7M -4.8% YoY+4.4% QoQ	$-37.7M	$147.3M -0.1% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	41%
Deposits	$187.1M +1.1% YoY+1.1% QoQ	$-13.7M	$200.8M +0.8% YoY	$161.4M +6.0% YoY	$477.3M +9.7% YoY	56%

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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% +3.0% YoY-7.9% QoQ	-0.2%	0.8% +18.2% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	33%
NIM	3.9% +9.8% YoY+1.0% QoQ	+0.3%	3.6% +6.7% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	65%
Efficiency Ratio	84.1% -4.4% YoY+0.6% QoQ	+7.1%	77.0% -3.1% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	75%
Delinquency Rate	1.2% +334.8% YoY+194.4% QoQ	+0.4	0.9% +4.2% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	80%
Loan To Share	58.6% -5.8% YoY+3.3% QoQ	-13.6%	72.2% -1.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	20%
AMR	$17,877 +2.3% YoY+3.5% QoQ	$-7K	$24,676 +3.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	21%
CD Concentration	10.2% -7.2% YoY+0.8% QoQ	-14.2%	24.4%	29.0%	19.8%	50%
Indirect Auto %	5.9% +141.4% YoY+275.7% QoQ	-7.9%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#44 of 705 • 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): 0.96% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#86 of 554 • 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): -3.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.76%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.24%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#193 of 538 • 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: 84.12%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -3.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Institutional Decline

decline

#96 of 240 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $205.75M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -3.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.76%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline

#222 of 554 • 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): -3.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (2 metrics)

115

Share Certificate Concentration (%)

balance_sheet

Value: 10.21%

Peer Median: -

#115 of 1069 Top 10.7% in 100M-500M tier

248

First Mortgage Concentration (%)

balance_sheet

Value: 16.35%

Peer Median: -

#248 of 1069 Top 23.1% in 100M-500M tier

Top Weaknesses (9 metrics)

940

Loan Growth Rate

growth

Value: -4.76%

Peer Median: -

#940 of 1069 Bottom 12.2% in 100M-500M tier

921

Net Worth Ratio

risk

Value: 9.04%

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier

886

Member Growth Rate

growth

Value: -3.42%

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

872

Loan-to-Member Ratio (LMR)

engagement

Value: $6,606

Peer Median: -

#872 of 1069 Bottom 18.5% in 100M-500M tier

853

Total Delinquency Rate (60+ days)

risk

Value: 1.24%

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier

850

Loan-to-Share Ratio

balance_sheet

Value: 58.62%

Peer Median: -

#850 of 1069 Bottom 20.6% in 100M-500M tier

847

Average Member Relationship (AMR)

engagement

Value: $17,877

Peer Median: -

#847 of 1069 Bottom 20.9% in 100M-500M tier

820

Deposit Growth Rate

growth

Value: 1.09%

Peer Median: -

#820 of 1069 Bottom 23.4% in 100M-500M tier

804

Efficiency Ratio

profitability

Value: 84.12%

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier