BlastPoint's Credit Union Scorecard

FIRST CITIZENS'

Charter #24254 · MA

Community 500M-750M

167 CUs in 500M-750M nationally 7 in MA

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FIRST CITIZENS' has 3 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 0.08% above tier average
+ Net Worth Ratio: Top 0.1% in tier
+ Share Certificate Concentration (%): Top 8.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.5% in tier
- Institutional Decline: Bottom 11.4% in tier
- Cost Spiral: Bottom 13.1% in tier
- Efficiency Drag: Bottom 39.7% in tier
- Margin Compression: Bottom 43.6% in tier
- Indirect Auto Dependency: Bottom 77.8% in tier
- Accelerating Exit Risk: Bottom 85.5% in tier
- Stagnation Risk: Bottom 85.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	42,903 -3.8% YoY-1.0% QoQ	+4.8K	38,079 -4.8% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	67%
Assets	$697.0M +0.9% YoY+1.9% QoQ	+$77.3M	$619.7M -0.2% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	78%
Loans	$397.9M -15.5% YoY-4.2% QoQ	$-21.4M	$419.3M -1.4% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	38%
Deposits	$550.8M -0.4% YoY+1.2% QoQ	+$11.3M	$539.5M -0.1% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	59%

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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	0.8% -33.9% YoY-29.8% QoQ	+0.1%	0.7% +36.0% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	62%
NIM	3.4% -4.3% YoY-8.8% QoQ	-0.1%	3.5% +4.5% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	81.3% +9.2% YoY+13.8% QoQ	+2.9%	78.4% -3.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	0.4% -26.8% YoY-52.1% QoQ	-0.3	0.7% -0.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	30%
Loan To Share	72.2% -15.1% YoY-5.3% QoQ	-5.4%	77.7% -1.2% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	29%
AMR	$22,113 -3.7% YoY-0.1% QoQ	$-5K	$26,927 +3.1% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	24%
CD Concentration	15.9% +14.7% YoY+1.0% QoQ	-8.3%	24.3%	25.2%	19.8%	22%
Indirect Auto %	16.2% -42.4% YoY-15.2% QoQ	+2.4%	13.8%	2.3%	7.7%	65%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Institutional Decline

decline

#10 of 250 • Bottom 11.4% in tier

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

Why This Signature

Total Assets: $697.02M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -3.82%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -15.52%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Accelerating Exit Risk

decline

#3 of 53 • Bottom 85.5% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -3.70%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 284 Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Stagnation Risk

risk

#105 of 570 • Bottom 85.5% 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): -3.82%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -15.52%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#194 of 570 • Bottom 85.5% in tier

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

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Overhang

risk

#45 of 126 • Bottom 2.5% in tier

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

Why This Signature

Net Worth Ratio: 20.17%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 72.24%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 284 Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#85 of 238 • Bottom 93.7% in tier

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

Why This Signature

AMR Growth (YoY): -3.70%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Margin Compression

decline

#71 of 133 • Bottom 43.6% 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: 0.76%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.16%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.39% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Cost Spiral

risk

#70 of 83 • Bottom 13.1% 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: 6.83% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.86%

(Tier: 60.69%, National: 64.04%)

worse than tier avg

83 of 284 Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#461 of 504 • Bottom 77.8% in tier

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

Why This Signature

Asset Growth (YoY): 0.89%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.23%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.82%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#566 of 596 • Bottom 39.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.32%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.39% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.82%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 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 167 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 20.17%

Peer Median: 10.35%

#1 of 167 Top 0.1% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 15.93%

Peer Median: 26.29%

#15 of 167 Top 8.4% in 500M-750M tier

Total Assets

balance_sheet

Value: $697.02M

Peer Median: $619.16M

#37 of 167 Top 21.6% in 500M-750M tier

Top Weaknesses (8 metrics)

166

Loan Growth Rate

growth

Value: -15.52%

Peer Median: 4.25%

#166 of 167 Bottom 1.2% in 500M-750M tier

160

First Mortgage Concentration (%)

balance_sheet

Value: 61.21%

Peer Median: 32.87%

#160 of 167 Bottom 4.8% in 500M-750M tier

159

AMR Growth Rate

growth

Value: -3.70%

Peer Median: 4.03%

#159 of 167 Bottom 5.4% in 500M-750M tier

149

Member Growth Rate

growth

Value: -3.82%

Peer Median: 1.03%

#149 of 167 Bottom 11.4% in 500M-750M tier

147

Fee Income Per Member

profitability

Value: $115.52

Peer Median: $178.80

#147 of 167 Bottom 12.6% in 500M-750M tier

144

Deposit Growth Rate

growth

Value: -0.44%

Peer Median: 4.02%

#144 of 167 Bottom 14.4% in 500M-750M tier

131

Asset Growth Rate

growth

Value: 0.89%

Peer Median: 4.66%

#131 of 167 Bottom 22.2% in 500M-750M tier

127

Average Member Relationship (AMR)

engagement

Value: $22,113

Peer Median: $25,600

#127 of 167 Bottom 24.6% in 500M-750M tier