BlastPoint's Credit Union Scorecard

FIRST TECHNOLOGY

Charter #19976 · CA

Titans 10B+

21 CUs in 10B+ nationally 3 in CA

View Titans leaderboard →

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 90.9% in tier
+ Organic Growth Engine: Top 100.0% in tier
+ Share Certificate Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 0.0% in tier
- Credit Quality Pressure: Bottom 26.7% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Liquidity Strain: Bottom 63.6% in tier
- ROA 0.54% below tier average
- Efficiency ratio 0.47% above tier (higher cost structure)
- Delinquency rate 0.33% above tier average
- Asset Growth Rate: Bottom 9.5% in tier
- Deposit Growth Rate: Bottom 9.5% in tier
- AMR Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	709,298 +1.9% YoY-0.4% QoQ	-1.1M	1,831,295 -0.2% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	19%
Assets	$16.4B -5.3% YoY-2.5% QoQ	$-12.7B	$29.1B +3.6% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	43%
Loans	$12.1B -0.5% YoY-0.2% QoQ	$-9.2B	$21.4B +2.0% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	33%
Deposits	$12.4B -4.2% YoY+2.3% QoQ	$-12.5B	$24.9B +4.3% YoY	$1.1B +7.1% YoY	$477.3M +9.7% 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% +15.2% YoY-16.9% QoQ	-0.5%	0.7% +30.7% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 4.8% in tier
NIM	2.9% +20.8% YoY+2.7% QoQ	-0.2%	3.1% +7.9% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	43%
Efficiency Ratio	65.1% -7.2% YoY-3.3% QoQ	+0.5%	64.6% -4.0% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	57%
Delinquency Rate	1.5% +15.8% YoY-13.2% QoQ	+0.3	1.2% +0.3% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	76%
Loan To Share	98.3% +3.9% YoY-2.5% QoQ	+9.2%	89.1% -2.0% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	81%
AMR	$34,531 -4.2% YoY+1.4% QoQ	+$3K	$31,580 +8.5% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	71%
CD Concentration	24.4% -2.9% YoY-0.2% QoQ	-7.1%	31.4%	21.7%	19.8%	Bottom 9.5% in tier
Indirect Auto %	9.9% -11.7% YoY-4.3% QoQ	-4.3%	14.1%	9.2%	7.8%	43%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#11 of 12 • Top 90.9% in tier

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

Why This Signature

Member Growth (YoY): 1.90%

(Tier: 3.16%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 9.86%

(Tier: 14.14%, National: 7.78%)

better than tier avg

12 of 21 Titans CUs have this signature | 609 nationally

→ No prior data (12 CUs now) | New qualifier

Organic Growth Engine

growth

#17 of 17 • Top 100.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.90%

(Tier: 3.16%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.19%

(Tier: 0.73%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 9.86%

(Tier: 14.14%, National: 7.78%)

better than tier avg

17 of 21 Titans CUs have this signature | 913 nationally

→ No prior data (17 CUs now) | New qualifier

Concerns (6)

Capital Constraint

risk

#1 of 2 • Bottom 0.0% 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: 98.26%

(Tier: 89.10%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -4.17%

(Tier: 6.83%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 10.27%

(Tier: 10.14%, National: 14.49%)

but better than tier avg

2 of 21 Titans CUs have this signature | 32 nationally

→ No prior data (2 CUs now) | New qualifier

Credit Quality Pressure

risk

#5 of 16 • Bottom 26.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.05% points, National: 0.06% points)

worse than tier avg

16 of 21 Titans CUs have this signature | 969 nationally

→ Stable (19→16 CUs) -3 CUs YoY

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): -4.17%

(Tier: 6.83%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 1.90%

(Tier: 3.16%, National: 4.32%)

worse than tier avg

1 of 21 Titans CUs have this signature | 91 nationally

→ No prior data (1 CUs now) | New qualifier

Shrinking Wallet Share

decline

#2 of 3 • 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): -4.19%

(Tier: 3.27%, National: 4.00%)

worse than tier avg

3 of 21 Titans CUs have this signature | 303 nationally

↓ Shrinking -6 CUs YoY | Rank improving

Wealth Migration Risk

decline

#1 of 1 • Bottom 50.0% in tier

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

Why This Signature

Avg Member Relationship: $34.5K

(Tier: $31.6K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -4.19%

(Tier: 3.27%, National: 4.00%)

worse than tier avg

1 of 21 Titans CUs have this signature | 34 nationally

→ No prior data (1 CUs now) | New qualifier

Liquidity Strain

risk

#8 of 12 • Bottom 63.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.26%

(Tier: 89.10%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -0.46%

(Tier: 6.11%, National: 111.96%)

worse than tier avg

12 of 21 Titans CUs have this signature | 439 nationally

→ Stable (11→12 CUs) +1 CUs YoY

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: 24.37%

Peer Median: -

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

Loan-to-Share Ratio

balance_sheet

Value: 98.26%

Peer Median: -

#4 of 21 Top 14.3% in 10B+ tier

Average Member Relationship (AMR)

engagement

Value: $34,531

Peer Median: -

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

Loan-to-Member Ratio (LMR)

engagement

Value: $17,114

Peer Median: -

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

Top Weaknesses (8 metrics)

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: -

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

Asset Growth Rate

growth

Value: -5.33%

Peer Median: -

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

Deposit Growth Rate

growth

Value: -4.17%

Peer Median: -

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

AMR Growth Rate

growth

Value: -4.19%

Peer Median: -

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

Loan Growth Rate

growth

Value: -0.46%

Peer Median: -

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

Net Charge-Off Rate

risk

Value: 1.32%

Peer Median: -

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

Total Delinquency Rate (60+ days)

risk

Value: 1.53%

Peer Median: -

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

Total Members

engagement

Value: 709,298

Peer Median: -

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