BlastPoint's Credit Union Scorecard

FIRST CITIZENS'

Charter #24254 · MA

Community 500M-750M

165 CUs in 500M-750M nationally 8 in MA

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FIRST CITIZENS' has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.10% above tier average
+ Net Worth Ratio: Top 1.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 3.1% in tier
- Institutional Decline: Bottom 11.1% in tier
- Cost Spiral: Bottom 17.0% in tier
- Margin Compression: Bottom 39.5% in tier
- Credit Quality Pressure: Bottom 46.3% in tier
- Stagnation Risk: Bottom 84.5% in tier
- Membership Headwinds: Bottom 84.5% in tier
- Efficiency ratio 0.34% above tier (higher cost structure)

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 165 credit unions with $500M-$750M in assets nationally, and 1 of 8 that size in Massachusetts.
Shares and deposits +2.3% year over year ($560M in shares and deposits).
Membership: 42,583 members, -3.6% vs a year ago.
Delinquency rate 0.77%.
Return on assets 0.92%.
Efficiency ratio 76.90% vs a 76.56% peer average.
Loan-to-share ratio 72.21% vs a 79.33% 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 (MA)	National Avg	Tier Percentile
Members	42,583 -3.6% YoY-0.7% QoQ	+4.7K	37,897 -5.0% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	67%
Assets	$705.9M +2.9% YoY+1.3% QoQ	+$83.5M	$622.4M +0.6% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	81%
Loans	$404.3M -9.4% YoY+1.6% QoQ	$-24.2M	$428.5M -0.7% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	36%
Deposits	$559.8M +2.3% YoY+1.6% QoQ	+$20.1M	$539.8M +0.9% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	63%

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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	0.9% -17.0% YoY+20.4% QoQ	+0.1%	0.8% +39.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	62%
NIM	3.5% -4.3% YoY+3.9% QoQ	+0.0%	3.5% +5.0% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	48%
Efficiency Ratio	76.9% +7.2% YoY-5.4% QoQ	+0.3%	76.6% -3.6% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	47%
Delinquency Rate	0.8% +6.0% YoY+85.0% QoQ	+0.0	0.8% +3.1% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	56%
Loan To Share	72.2% -11.4% YoY-0.0% QoQ	-7.1%	79.3% -1.4% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	24%
AMR	$22,640 +0.7% YoY+2.4% QoQ	$-5K	$27,294 +4.1% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	26%
CD Concentration	17.7% +19.9% YoY+10.9% QoQ	-6.9%	24.6%	25.4%	20.0%	26%
Indirect Auto %	12.9% -49.1% YoY-20.8% QoQ	-0.8%	13.6%	2.4%	7.7%	59%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Institutional Decline

decline

#15 of 230 • Bottom 11.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $705.88M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -3.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -9.38%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Stagnation Risk

risk

#76 of 549 • Bottom 84.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -9.38%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.77%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Liquidity Overhang

risk

#47 of 130 • Bottom 3.1% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 20.19%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 72.21%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 276 Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

Membership Headwinds

decline

#201 of 549 • Bottom 84.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Margin Compression

decline

#100 of 140 • Bottom 39.5% 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: 0.92%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.11%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 276 Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#597 of 693 • Bottom 46.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

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

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Cost Spiral

risk

#85 of 95 • Bottom 17.0% 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: 5.13% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 71.77%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 276 Community CUs have this signature | 106 nationally

↑ Growing +30 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 165 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 20.19%

Peer Median: 10.42%

#3 of 165 Top 1.2% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.67%

Peer Median: 26.69%

#23 of 165 Top 13.3% in 500M-750M tier

Total Assets

balance_sheet

Value: $705.88M

Peer Median: $621.76M

#32 of 165 Top 18.8% in 500M-750M tier

Top Weaknesses (6 metrics)

160

Loan Growth Rate

growth

Value: -9.38%

Peer Median: 4.82%

#160 of 165 Bottom 3.6% in 500M-750M tier

159

First Mortgage Concentration (%)

balance_sheet

Value: 64.85%

Peer Median: 34.05%

#159 of 165 Bottom 4.2% in 500M-750M tier

146

Fee Income Per Member

profitability

Value: $119.63

Peer Median: $191.53

#146 of 165 Bottom 12.1% in 500M-750M tier

144

Member Growth Rate

growth

Value: -3.60%

Peer Median: 0.59%

#144 of 165 Bottom 13.3% in 500M-750M tier

130

AMR Growth Rate

growth

Value: 0.69%

Peer Median: 3.83%

#130 of 165 Bottom 21.8% in 500M-750M tier

125

Loan-to-Share Ratio

balance_sheet

Value: 72.21%

Peer Median: 81.50%

#125 of 165 Bottom 24.8% in 500M-750M tier