BlastPoint's Credit Union Scorecard

FIRST CALIFORNIA

Charter #23964 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

FIRST CALIFORNIA has 3 strengths but faces 5 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 0.84% above tier average
+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 2.1% in tier
- Total Assets: Bottom 7.2% in tier
- Total Loans: Bottom 7.4% in tier
- Total Deposits: Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,335 +2.2% YoY+0.3% QoQ	-5.8K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	27%
Assets	$109.9M +4.4% YoY+0.1% QoQ	$-121.8M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Bottom 7.1% in tier
Loans	$52.7M +5.3% YoY-2.0% QoQ	$-91.4M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 7.3% in tier
Deposits	$98.5M +3.2% YoY-0.3% QoQ	$-102.7M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Bottom 9.9% 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	1.6% +5.5% YoY-3.3% QoQ	+0.8%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Top 9.4% in tier
NIM	3.9% +8.2% YoY+1.3% QoQ	+0.3%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	70.7% +2.6% YoY+4.6% QoQ	-7.3%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.6% -15.0% YoY-31.2% QoQ	-0.1	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	52%
Loan To Share	53.5% +2.1% YoY-1.7% QoQ	-16.9%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	16%
AMR	$16,196 +1.7% YoY-1.1% QoQ	$-9K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Bottom 13.6% in tier
CD Concentration	11.6% +7.3% YoY-9.9% QoQ	-12.7%	24.3%	21.6%	19.8%	50%
Indirect Auto %	61.5% -2.7% YoY-1.2% QoQ	+47.7%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#58 of 157 • 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: 1.56%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.21%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#91 of 504 • 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): 4.35%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 61.47%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.21%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (4 metrics)

101

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Median: 0.69%

#101 of 1070 Top 9.3% in 100M-500M tier

137

Share Certificate Concentration (%)

balance_sheet

Value: 11.57%

Peer Median: 23.10%

#137 of 1070 Top 12.7% in 100M-500M tier

165

Members Per Employee (MPE)

engagement

Value: 424.318

Peer Median: 309.176

#165 of 1070 Top 15.3% in 100M-500M tier

195

First Mortgage Concentration (%)

balance_sheet

Value: 13.81%

Peer Median: 29.47%

#195 of 1070 Top 18.1% in 100M-500M tier

Top Weaknesses (9 metrics)

1048

Indirect Auto Concentration (%)

balance_sheet

Value: 61.47%

Peer Median: 6.61%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

994

Total Assets

balance_sheet

Value: $109.87M

Peer Median: $196.57M

#994 of 1070 Bottom 7.2% in 100M-500M tier

992

Total Loans

balance_sheet

Value: $52.71M

Peer Median: $121.41M

#992 of 1070 Bottom 7.4% in 100M-500M tier

964

Total Deposits

balance_sheet

Value: $98.48M

Peer Median: $171.29M

#964 of 1070 Bottom 10.0% in 100M-500M tier

952

Loan-to-Member Ratio (LMR)

engagement

Value: $5,646

Peer Median: $9,356

#952 of 1070 Bottom 11.1% in 100M-500M tier

945

Fee Income Per Member

profitability

Value: $83.78

Peer Median: $154.95

#945 of 1070 Bottom 11.8% in 100M-500M tier

924

Average Member Relationship (AMR)

engagement

Value: $16,196

Peer Median: $22,931

#924 of 1070 Bottom 13.7% in 100M-500M tier

910

Net Charge-Off Rate

risk

Value: 0.85%

Peer Median: 0.35%

#910 of 1070 Bottom 15.0% in 100M-500M tier

903

Loan-to-Share Ratio

balance_sheet

Value: 53.53%

Peer Median: 71.88%

#903 of 1070 Bottom 15.7% in 100M-500M tier