BlastPoint's Credit Union Scorecard

1ST COMMUNITY

Charter #8715 · TX

1077 CUs in 100M-500M nationally 79 in TX

1ST COMMUNITY has 5 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 0.21% above tier average
+ Net Interest Margin 0.41% above tier average
+ Fee Income Per Member: Top 3.4% in tier
+ Total Loans: Top 8.4% 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 3.7% in tier
- Credit Risk Growth: Bottom 12.3% in tier
- Margin Compression: Bottom 21.0% in tier
- Indirect Auto Dependency: Bottom 26.2% in tier
- Delinquency rate 2.33% above tier average
- Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- Members Per Employee (MPE): Bottom 6.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	23,746 +0.4% YoY+0.7% QoQ	+8.1K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	85%
Assets	$408.5M +2.9% YoY-1.1% QoQ	+$177.2M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	Top 9.9% in tier
Loans	$283.3M +1.9% YoY+1.8% QoQ	+$135.5M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	Top 8.5% in tier
Deposits	$350.8M +3.0% YoY-1.5% QoQ	+$150.5M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	Top 10.1% 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	1.0% -15.1% YoY-7.0% QoQ	+0.2%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	66%
NIM	4.0% +0.9% YoY+1.5% QoQ	+0.4%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	75.8% +15.0% YoY+4.2% QoQ	-1.4%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	46%
Delinquency Rate	3.2% +46.6% YoY+53.2% QoQ	+2.3	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Top 1.9% in tier
Loan To Share	80.8% -1.0% YoY+3.4% QoQ	+8.1%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	65%
AMR	$26,704 +2.1% YoY-0.8% QoQ	+$2K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	72%
CD Concentration	24.7% -2.0% YoY-5.9% QoQ	+0.3%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	21.4% -16.8% YoY-5.2% QoQ	+7.4%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#45 of 736 • 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): 1.01% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Cost Spiral

risk

#10 of 62 • Bottom 3.7% 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: 9.87% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 55.02%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Credit Risk Growth

risk

#185 of 446 • Bottom 12.3% in tier

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

Why This Signature

Loan Growth (YoY): 1.95%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 1.01% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Margin Compression

decline

#89 of 136 • Bottom 21.0% 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: 1.00%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.18%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#422 of 525 • Bottom 26.2% in tier

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

Why This Signature

Asset Growth (YoY): 2.86%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 21.41%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

Fee Income Per Member

profitability

Value: $321.27

Peer Avg: -

#38 of 1077 Top 3.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $283.31M

Peer Avg: -

#92 of 1077 Top 8.4% in 100M-500M tier

107

Total Assets

balance_sheet

Value: $408.49M

Peer Avg: -

#107 of 1077 Top 9.8% in 100M-500M tier

109

Total Deposits

balance_sheet

Value: $350.80M

Peer Avg: -

#109 of 1077 Top 10.0% in 100M-500M tier

166

Total Members

engagement

Value: 23,746

Peer Avg: -

#166 of 1077 Top 15.3% in 100M-500M tier

213

First Mortgage Concentration (%)

balance_sheet

Value: 14.66%

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

264

Loan-to-Member Ratio (LMR)

engagement

Value: $11,931

Peer Avg: -

#264 of 1077 Top 24.4% in 100M-500M tier

269

Net Worth Ratio

risk

Value: 13.54%

Peer Avg: -

#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1057

Total Delinquency Rate (60+ days)

risk

Value: 3.19%

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

1013

Members Per Employee (MPE)

engagement

Value: 210.142

Peer Avg: -

#1013 of 1077 Bottom 6.0% in 100M-500M tier

957

Net Charge-Off Rate

risk

Value: 0.92%

Peer Avg: -

#957 of 1077 Bottom 11.2% in 100M-500M tier