BlastPoint's Credit Union Scorecard
FIRST FLIGHT
Charter #7870 · NC
FIRST FLIGHT has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 8.6% in tier
- + Organic Growth Engine: Top 13.3% in tier
- + Net Interest Margin 0.73% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.8% in tier
- - Cost Spiral: Bottom 12.3% in tier
- - Credit Quality Pressure: Bottom 17.0% in tier
- - ROA 0.07% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,186
+4.2% YoY+1.2% QoQ
|
+4.6K |
15,628
-3.4% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$264.8M
+8.2% YoY+2.2% QoQ
|
+$33.5M |
$231.3M
-0.0% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$162.4M
+9.8% YoY+4.5% QoQ
|
+$14.6M |
$147.8M
-1.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$231.5M
+9.2% YoY+1.9% QoQ
|
+$31.2M |
$200.3M
-0.0% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
67% |
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 |
0.7%
-43.6% YoY-9.5% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
4.3%
+0.2% YoY-1.1% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 13.6% in tier |
| Efficiency Ratio |
77.1%
+12.7% YoY-0.7% QoQ
|
-0.2% |
77.3%
-3.0% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.7%
+24.5% YoY+42.4% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
70.2%
+0.5% YoY+2.5% QoQ
|
-2.5% |
72.7%
-1.5% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$19,515
+5.0% YoY+1.7% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
24.4%
+13.6% YoY+4.1% QoQ
|
-0.0% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.2%
+8.5% YoY+35.9% QoQ
|
-8.8% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)