BlastPoint's Credit Union Scorecard

1ST COMMUNITY

Charter #8715 · TX

100M-500M
1070 CUs in 100M-500M nationally 80 in TX

1ST COMMUNITY has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.56% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Fee Income Per Member: Top 3.5% in tier
  • + Total Assets: Top 8.0% in tier
  • + Total Deposits: Top 8.2% in tier
  • + Total Loans: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Delinquency rate 4.08% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 0.3% in tier
  • - Net Charge-Off Rate: Bottom 6.4% in tier
  • - Members Per Employee (MPE): Bottom 6.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 23,575
+3.6% YoY-0.2% QoQ
 +8.4K 15,145
-2.5% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 Top 14.0% in tier
Assets $422.2M
+2.3% YoY+3.5% QoQ
 +$190.4M $231.7M
+0.8% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 Top 8.1% in tier
Loans $276.7M
-0.2% YoY-1.7% QoQ
 +$132.5M $144.1M
+0.2% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 Top 8.3% in tier
Deposits $363.7M
+1.2% YoY+3.5% QoQ
 +$162.6M $201.1M
+0.4% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 Top 8.3% in tier

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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 1.3%
+8.0% YoY+41.5% QoQ
 +0.6% 0.7%
+5.1% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 83%
NIM 3.8%
-2.2% YoY-4.2% QoQ
 +0.2% 3.6%
+4.6% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 65%
Efficiency Ratio 74.5%
+11.7% YoY-3.1% QoQ
 -3.5% 78.0%
-1.7% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 35%
Delinquency Rate 4.9%
+125.6% YoY+26.7% QoQ
 +4.1 0.8%
+7.1% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 Bottom 0.3% in tier
Loan To Share 76.1%
-1.4% YoY-5.0% QoQ
 +5.7% 70.4%
-0.4% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 58%
AMR $27,166
-2.9% YoY+1.4% QoQ
 +$2K $24,918
+2.7% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 71%
CD Concentration 23.7%
-13.5% YoY-1.9% QoQ
 -0.6% 24.3% 21.3% 19.8% 50%
Indirect Auto % 18.6%
-21.7% YoY-6.5% QoQ
 +4.8% 13.8% 6.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk
#1 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): 2.70% 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

Shrinking Wallet Share

decline
#111 of 238 • Bottom 50.0% in tier

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

Why This Signature
AMR Growth (YoY): -2.88%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Cost Spiral

risk
#44 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 7.81% points
(Tier: -1.19% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 53.42%
(Tier: 60.69%, National: 64.04%)
but better than tier avg
83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally
→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#482 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 2.26%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 18.63%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 3.56%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

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)

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

38
Fee Income Per Member
profitability
Value: $316.82
Peer Median: $154.95
#38 of 1070 Top 3.5% in 100M-500M tier
87
Total Assets
balance_sheet
Value: $422.16M
Peer Median: $196.57M
#87 of 1070 Top 8.0% in 100M-500M tier
89
Total Deposits
balance_sheet
Value: $363.74M
Peer Median: $171.29M
#89 of 1070 Top 8.2% in 100M-500M tier
89
Total Loans
balance_sheet
Value: $276.70M
Peer Median: $121.41M
#89 of 1070 Top 8.2% in 100M-500M tier
150
Total Members
engagement
Value: 23,575
Peer Median: 13,200
#150 of 1070 Top 13.9% in 100M-500M tier
181
Return on Assets (ROA)
profitability
Value: 1.29%
Peer Median: 0.69%
#181 of 1070 Top 16.8% in 100M-500M tier
181
Member Growth Rate
growth
Value: 3.56%
Peer Median: -0.06%
#181 of 1070 Top 16.8% in 100M-500M tier
217
First Mortgage Concentration (%)
balance_sheet
Value: 14.88%
Peer Median: 29.47%
#217 of 1070 Top 20.2% in 100M-500M tier
261
Net Worth Ratio
risk
Value: 13.58%
Peer Median: 11.45%
#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1068
Total Delinquency Rate (60+ days)
risk
Value: 4.85%
Peer Median: 0.61%
#1068 of 1070 Bottom 0.3% in 100M-500M tier
1002
Net Charge-Off Rate
risk
Value: 1.28%
Peer Median: 0.35%
#1002 of 1070 Bottom 6.4% in 100M-500M tier
1002
Members Per Employee (MPE)
engagement
Value: 208.628
Peer Median: 309.176
#1002 of 1070 Bottom 6.4% in 100M-500M tier
979
AMR Growth Rate
growth
Value: -2.88%
Peer Median: 3.46%
#979 of 1070 Bottom 8.6% in 100M-500M tier
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