BlastPoint's Credit Union Scorecard

FIRST TECHNOLOGY

Charter #19976 · CA

Titans 10B+

21 CUs in 10B+ nationally 3 in CA

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FIRST TECHNOLOGY has 3 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 31.4% in tier
+ Organic Growth Engine: Top 31.5% in tier
+ Share Certificate Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.0% in tier
- Wealth Migration Risk: Bottom 0.0% in tier
- Shrinking Wallet Share: Bottom 5.0% in tier
- Credit Risk Growth: Bottom 14.6% in tier
- Liquidity Strain: Bottom 15.6% in tier
- Capital Constraint: Bottom 25.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 3.00% above tier (higher cost structure)
- Delinquency rate 0.58% above tier average
- Deposit Growth Rate: Bottom 9.5% in tier
- AMR Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	712,057 +0.5% YoY+1.1% QoQ	-1.1M	1,822,416 +4.1% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	19%
Assets	$16.9B -3.6% YoY-1.1% QoQ	$-11.8B	$28.7B +4.2% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	43%
Loans	$12.2B +0.6% YoY-0.3% QoQ	$-8.9B	$21.1B +5.8% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	38%
Deposits	$12.1B -4.3% YoY+2.6% QoQ	$-12.4B	$24.4B +7.2% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% +154.4% YoY-32.5% QoQ	-0.5%	0.8% +17.7% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 0.0% in tier
NIM	2.8% +20.4% YoY+2.1% QoQ	-0.3%	3.1% +10.6% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	38%
Efficiency Ratio	67.3% -7.4% YoY-0.7% QoQ	+3.0%	64.3% -4.3% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	62%
Delinquency Rate	1.8% +107.7% YoY+14.7% QoQ	+0.6	1.2% +9.7% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	81%
Loan To Share	100.7% +5.2% YoY-2.9% QoQ	+10.9%	89.8% -0.3% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	76%
AMR	$34,046 -2.4% YoY+0.0% QoQ	+$3K	$31,184 +7.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	76%
CD Concentration	24.4% +0.7% YoY+0.5% QoQ	-7.5%	31.9% +2.0% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	Bottom 9.5% in tier
Indirect Auto %	10.3% -8.7% YoY-3.2% QoQ	-3.9%	14.2% -8.9% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	43%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#12 of 12 • Top 31.4% in tier

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

Why This Signature

Member Growth (YoY): 0.51%

(Tier: 3.59%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 10.30%

(Tier: 14.25%, National: 7.90%)

better than tier avg

12 of 21 Titans CUs have this signature | 608 nationally

→ Stable (11→12 CUs) +1 CUs YoY | Rank worsening

Organic Growth Engine

growth

#18 of 18 • Top 31.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.51%

(Tier: 3.59%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.23%

(Tier: 0.76%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 10.30%

(Tier: 14.25%, National: 7.90%)

better than tier avg

18 of 21 Titans CUs have this signature | 917 nationally

→ Stable (18→18 CUs) | Rank worsening

Concerns (7)

Credit Quality Pressure

risk

#1 of 15 • Bottom 0.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.91% points

(Tier: 0.10% points, National: 0.07% points)

worse than tier avg

15 of 21 Titans CUs have this signature | 1002 nationally

↓ Shrinking -6 CUs YoY | Rank improving

Wealth Migration Risk

decline

#1 of 1 • Bottom 0.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $34.0K

(Tier: $31.2K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -2.43%

(Tier: 2.80%, National: 4.19%)

worse than tier avg

1 of 21 Titans CUs have this signature | 39 nationally

→ Stable (3→1 CUs) -2 CUs YoY

Shrinking Wallet Share

decline

#2 of 4 • Bottom 5.0% in tier

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

Why This Signature

AMR Growth (YoY): -2.43%

(Tier: 2.80%, National: 4.19%)

worse than tier avg

4 of 21 Titans CUs have this signature | 346 nationally

↓ Shrinking -9 CUs YoY

Credit Risk Growth

risk

#7 of 14 • Bottom 14.6% in tier

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

Why This Signature

Loan Growth (YoY): 0.59%

(Tier: 6.37%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.91% points

(Tier: 0.10% points, National: 0.07% points)

worse than tier avg

14 of 21 Titans CUs have this signature | 646 nationally

→ Stable (13→14 CUs) +1 CUs YoY | New qualifier

Liquidity Strain

risk

#6 of 11 • Bottom 15.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.74%

(Tier: 89.80%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.59%

(Tier: 6.37%, National: 36.38%)

worse than tier avg

11 of 21 Titans CUs have this signature | 484 nationally

→ Stable (11→11 CUs)

Capital Constraint

risk

#2 of 2 • Bottom 25.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 100.74%

(Tier: 89.80%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -4.34%

(Tier: 6.48%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 10.06%

(Tier: 10.22%, National: 14.51%)

worse than tier avg

2 of 21 Titans CUs have this signature | 29 nationally

→ Stable (1→2 CUs) +1 CUs YoY | New qualifier

Deposit Outflow

decline

#1 of 1 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.34%

(Tier: 6.48%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.51%

(Tier: 3.59%, National: 9.37%)

worse than tier avg

1 of 21 Titans CUs have this signature | 109 nationally

→ Stable (3→1 CUs) -2 CUs YoY | New qualifier

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 21 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 24.43%

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Loan-to-Share Ratio

balance_sheet

Value: 100.74%

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

Average Member Relationship (AMR)

engagement

Value: $34,046

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,086

Peer Avg: -

#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (9 metrics)

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Avg: -

#21 of 21 Bottom 4.8% in 10B+ tier

Deposit Growth Rate

growth

Value: -4.34%

Peer Avg: -

#20 of 21 Bottom 9.5% in 10B+ tier

AMR Growth Rate

growth

Value: -2.43%

Peer Avg: -

#20 of 21 Bottom 9.5% in 10B+ tier

Asset Growth Rate

growth

Value: -3.64%

Peer Avg: -

#19 of 21 Bottom 14.3% in 10B+ tier

Loan Growth Rate

growth

Value: 0.59%

Peer Avg: -

#19 of 21 Bottom 14.3% in 10B+ tier

Net Charge-Off Rate

risk

Value: 1.39%

Peer Avg: -

#19 of 21 Bottom 14.3% in 10B+ tier

Member Growth Rate

growth

Value: 0.51%

Peer Avg: -

#18 of 21 Bottom 19.0% in 10B+ tier

Total Delinquency Rate (60+ days)

risk

Value: 1.76%

Peer Avg: -

#18 of 21 Bottom 19.0% in 10B+ tier

Total Members

engagement

Value: 712,057

Peer Avg: -

#17 of 21 Bottom 23.8% in 10B+ tier