BlastPoint's Credit Union Scorecard

1ST COMMUNITY

Charter #8715 · TX

1069 CUs in 100M-500M nationally 79 in TX

1ST COMMUNITY has 8 strengths but faces 11 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

  • + Organic Growth Leader: Top 30.8% in tier
  • + Organic Growth Engine: Top 38.0% in tier
  • + ROA 0.15% above tier average
  • + Net Interest Margin 0.40% above tier average
  • + Fee Income Per Member: Top 2.3% in tier
  • + Total Loans: Top 8.8% in tier
  • + Total Deposits: Top 9.7% in tier
  • + Total Assets: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.8% in tier
  • - Cost Spiral: Bottom 22.2% in tier
  • - Credit Risk Growth: Bottom 46.4% in tier
  • - Shrinking Wallet Share: Bottom 51.2% in tier
  • - Margin Compression: Bottom 72.1% in tier
  • - Indirect Auto Dependency: Bottom 95.2% in tier
  • - Delinquency rate 2.93% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
  • - Members Per Employee (MPE): Bottom 7.0% in tier
  • - AMR Growth Rate: Bottom 8.2% in tier
  • - Net Charge-Off Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 23,627
+3.9% YoY-0.5% QoQ
 +8.2K 15,437
-2.9% YoY
 27,007
+3.4% YoY
 33,374
+5.7% YoY
 Top 14.7% in tier
Assets $408.1M
+2.7% YoY-0.1% QoQ
 +$176.2M $231.9M
+1.3% YoY
 $418.5M
+7.2% YoY
 $561.6M
+9.7% YoY
 Top 9.9% in tier
Loans $281.4M
+0.8% YoY-0.7% QoQ
 +$134.1M $147.3M
-0.1% YoY
 $298.6M
+5.4% YoY
 $397.0M
+8.8% YoY
 Top 8.9% in tier
Deposits $351.6M
+1.7% YoY+0.2% QoQ
 +$150.8M $200.8M
+0.8% YoY
 $347.2M
+7.2% YoY
 $477.3M
+9.7% YoY
 Top 9.8% 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 0.9%
-15.4% YoY-8.8% QoQ
 +0.1% 0.8%
+18.2% YoY
 0.6%
+2.3% YoY
 0.7%
+15.9% YoY
 62%
NIM 4.0%
+0.4% YoY+0.3% QoQ
 +0.4% 3.6%
+6.7% YoY
 3.9%
+3.4% YoY
 3.8%
+5.1% YoY
 73%
Efficiency Ratio 76.9%
+12.4% YoY+1.4% QoQ
 -0.1% 77.0%
-3.1% YoY
 80.2%
-0.8% YoY
 79.7%
-3.3% YoY
 49%
Delinquency Rate 3.8%
+65.8% YoY+20.1% QoQ
 +2.9 0.9%
+4.2% YoY
 1.3%
+11.4% YoY
 1.3%
-2.1% YoY
 Top 1.3% in tier
Loan To Share 80.0%
-0.8% YoY-0.9% QoQ
 +7.8% 72.2%
-1.1% YoY
 71.4%
-2.7% YoY
 67.4%
-1.7% YoY
 64%
AMR $26,791
-2.5% YoY+0.3% QoQ
 +$2K $24,676
+3.4% YoY
 $17,599
+2.5% YoY
 $19,687
+2.0% YoY
 71%
CD Concentration 24.1%
-6.9% YoY-2.5% QoQ
 -0.3% 24.4% 21.2% 19.8% 50%
Indirect Auto % 19.9%
-19.1% YoY-6.9% QoQ
 +6.1% 13.8% 7.1% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#132 of 426 • Top 30.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.90%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 19.92%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#227 of 595 • Top 38.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.90%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.91%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 19.92%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (6)

Credit Quality Pressure

risk
#14 of 705 • Bottom 1.8% in tier

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

Why This Signature
Delinquency Change (YoY): 1.52% 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

Cost Spiral

risk
#11 of 46 • Bottom 22.2% 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: 8.47% points
(Tier: -2.44% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 57.21%
(Tier: 60.04%, National: 63.66%)
but better than tier avg
46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Risk Growth

risk
#212 of 456 • Bottom 46.4% in tier

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

Why This Signature
Loan Growth (YoY): 0.84%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 1.52% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Shrinking Wallet Share

decline
#107 of 208 • Bottom 51.2% in tier

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

Why This Signature
AMR Growth (YoY): -2.48%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | New qualifier

Margin Compression

decline
#89 of 123 • Bottom 72.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.91%
(Tier: 0.75%, National: 0.67%)
but better than tier avg
ROA (Prior Year): 1.08%
(Tier: 0.63%, National: 0.62%)
but better than tier avg
ROA Change (YoY): -0.17% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally
→ No prior data (123 CUs now) | New qualifier

Indirect Auto Dependency

risk
#482 of 506 • Bottom 95.2% in tier

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

Why This Signature
Asset Growth (YoY): 2.73%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 19.92%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.90%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 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 1069 peers in tier

Top Strengths (8 metrics)

26
Fee Income Per Member
profitability
Value: $356.83
Peer Median: -
#26 of 1069 Top 2.3% in 100M-500M tier
95
Total Loans
balance_sheet
Value: $281.40M
Peer Median: -
#95 of 1069 Top 8.8% in 100M-500M tier
105
Total Deposits
balance_sheet
Value: $351.59M
Peer Median: -
#105 of 1069 Top 9.7% in 100M-500M tier
106
Total Assets
balance_sheet
Value: $408.05M
Peer Median: -
#106 of 1069 Top 9.8% in 100M-500M tier
152
Member Growth Rate
growth
Value: 3.90%
Peer Median: -
#152 of 1069 Top 14.1% in 100M-500M tier
157
Total Members
engagement
Value: 23,627
Peer Median: -
#157 of 1069 Top 14.6% in 100M-500M tier
213
First Mortgage Concentration (%)
balance_sheet
Value: 14.76%
Peer Median: -
#213 of 1069 Top 19.8% in 100M-500M tier
261
Net Worth Ratio
risk
Value: 13.71%
Peer Median: -
#261 of 1069 Top 24.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1056
Total Delinquency Rate (60+ days)
risk
Value: 3.83%
Peer Median: -
#1056 of 1069 Bottom 1.3% in 100M-500M tier
995
Members Per Employee (MPE)
engagement
Value: 210.955
Peer Median: -
#995 of 1069 Bottom 7.0% in 100M-500M tier
982
AMR Growth Rate
growth
Value: -2.48%
Peer Median: -
#982 of 1069 Bottom 8.2% in 100M-500M tier
967
Net Charge-Off Rate
risk
Value: 1.07%
Peer Median: -
#967 of 1069 Bottom 9.6% in 100M-500M tier
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