BlastPoint's Credit Union Scorecard

FIRST CALIFORNIA

Charter #23964 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

FIRST CALIFORNIA has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 1.14% above tier average
+ Net Interest Margin 0.26% above tier average
+ Strong member growth: 6.7% YoY
+ Member Growth Rate: Top 6.2% in tier
+ Members Per Employee (MPE): Top 6.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.10% above tier average
- Indirect Auto Concentration (%): Bottom 2.3% in tier
- AMR Growth Rate: Bottom 5.0% in tier
- Total Assets: Bottom 6.9% 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 57 that size in California.
Shares and deposits +0.8% year over year ($97.8M in shares and deposits).
Membership: 9,771 members, +6.7% vs a year ago.
Delinquency rate 0.98%.
Return on assets 2.00%.
Efficiency ratio 65.75% vs a 76.73% peer average.
Loan-to-share ratio 54.04% 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 (CA)	National Avg	Tier Percentile
Members	9,771 +6.7% YoY+4.7% QoQ	-5.4K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	31%
Assets	$109.7M +1.9% YoY-0.2% QoQ	$-122.3M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 6.8% in tier
Loans	$52.9M +4.0% YoY+0.3% QoQ	$-93.4M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 6.8% in tier
Deposits	$97.8M +0.8% YoY-0.7% QoQ	$-102.9M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Bottom 8.8% in tier

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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	2.0% +46.2% YoY+28.0% QoQ	+1.1%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Top 3.1% in tier
NIM	3.9% +7.6% YoY+1.5% QoQ	+0.3%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	68%
Efficiency Ratio	65.8% -4.9% YoY-7.0% QoQ	-11.0%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	17%
Delinquency Rate	1.0% +9.7% YoY+54.8% QoQ	+0.1	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	68%
Loan To Share	54.0% +3.2% YoY+1.0% QoQ	-17.5%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	16%
AMR	$15,423 -4.5% YoY-4.8% QoQ	$-10K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Bottom 10.6% in tier
CD Concentration	13.5% +10.4% YoY+17.0% QoQ	-11.0%	24.6%	22.2%	20.0%	50%
Indirect Auto %	59.5% -3.9% YoY-3.3% QoQ	+45.8%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#5 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 2.00%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 6.71%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Concerns (4)

Shrinking Wallet Share

decline

#61 of 223 • 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): -4.54%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#222 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 1.91%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 59.45%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 6.71%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#509 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Credit Risk Growth

risk

#382 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 3.96%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 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 1024 peers in tier

Top Strengths (6 metrics)

Return on Assets (ROA)

profitability

Value: 2.00%

Peer Median: 0.75%

#32 of 1024 Top 3.0% in 100M-500M tier

Member Growth Rate

growth

Value: 6.71%

Peer Median: -0.03%

#65 of 1024 Top 6.2% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 488.550

Peer Median: 310.924

#72 of 1024 Top 6.9% in 100M-500M tier

176

Efficiency Ratio

profitability

Value: 65.75%

Peer Median: 77.26%

#176 of 1024 Top 17.1% in 100M-500M tier

178

Share Certificate Concentration (%)

balance_sheet

Value: 13.53%

Peer Median: 23.39%

#178 of 1024 Top 17.3% in 100M-500M tier

191

First Mortgage Concentration (%)

balance_sheet

Value: 14.12%

Peer Median: 29.92%

#191 of 1024 Top 18.6% in 100M-500M tier

Top Weaknesses (10 metrics)

1001

Indirect Auto Concentration (%)

balance_sheet

Value: 59.45%

Peer Median: 6.15%

#1001 of 1024 Bottom 2.3% in 100M-500M tier

974

AMR Growth Rate

growth

Value: -4.54%

Peer Median: 3.53%

#974 of 1024 Bottom 5.0% in 100M-500M tier

954

Total Assets

balance_sheet

Value: $109.67M

Peer Median: $196.38M

#954 of 1024 Bottom 6.9% in 100M-500M tier

954

Total Loans

balance_sheet

Value: $52.87M

Peer Median: $124.04M

#954 of 1024 Bottom 6.9% in 100M-500M tier

947

Fee Income Per Member

profitability

Value: $80.63

Peer Median: $159.88

#947 of 1024 Bottom 7.6% in 100M-500M tier

940

Loan-to-Member Ratio (LMR)

engagement

Value: $5,411

Peer Median: $9,434

#940 of 1024 Bottom 8.3% in 100M-500M tier

934

Total Deposits

balance_sheet

Value: $97.83M

Peer Median: $170.77M

#934 of 1024 Bottom 8.9% in 100M-500M tier

915

Average Member Relationship (AMR)

engagement

Value: $15,423

Peer Median: $23,006

#915 of 1024 Bottom 10.7% in 100M-500M tier

860

Loan-to-Share Ratio

balance_sheet

Value: 54.04%

Peer Median: 73.07%

#860 of 1024 Bottom 16.1% in 100M-500M tier

816

Net Charge-Off Rate

risk

Value: 0.69%

Peer Median: 0.34%

#816 of 1024 Bottom 20.4% in 100M-500M tier