BlastPoint's Credit Union Scorecard
1ST COMMUNITY
Charter #8715 · TX
1ST COMMUNITY has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.23% above tier average
- + Fee Income Per Member: Top 5.9% in tier
- + Total Deposits: Top 8.0% in tier
- + Total Assets: Top 8.4% in tier
- + Total Loans: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 1.36% above tier (higher cost structure)
- - Delinquency rate 2.85% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Net Charge-Off Rate: Bottom 6.3% in tier
- - Members Per Employee (MPE): Bottom 7.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits +1.6% year over year ($362M in shares and deposits).
- Membership: 23,475 members, -0.5% vs a year ago.
- Delinquency rate 3.73%.
- Return on assets 1.14%.
- Efficiency ratio 78.09% vs a 76.73% peer average.
- Loan-to-share ratio 76.54% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,475
-0.5% YoY-0.4% QoQ
|
+8.3K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 14.4% in tier |
| Assets |
$421.8M
+2.2% YoY-0.1% QoQ
|
+$189.7M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 8.5% in tier |
| Loans |
$277.0M
-0.5% YoY+0.1% QoQ
|
+$130.7M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 9.5% in tier |
| Deposits |
$361.9M
+1.6% YoY-0.5% QoQ
|
+$161.2M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 8.1% in tier |
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| ROA |
1.1%
+6.6% YoY-11.2% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.9%
-0.4% YoY+2.1% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
78.1%
+7.3% YoY+4.8% QoQ
|
+1.4% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
3.7%
+79.3% YoY-23.1% QoQ
|
+2.8 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
76.5%
-2.0% YoY+0.6% QoQ
|
+5.0% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$27,217
+1.1% YoY+0.2% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
24.7%
-6.0% YoY+4.4% QoQ
|
+0.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
17.0%
-24.7% YoY-8.8% QoQ
|
+3.4% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)