BlastPoint's Credit Union Scorecard
FIRST CITIZENS'
Charter #24254 · MA
FIRST CITIZENS' has 8 strengths but faces 9 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.7% in tier
- + Profitability Leader: Top 69.9% in tier
- + ROA 0.62% above tier average
- + Net Interest Margin 0.30% above tier average
- + Strong member growth: 17.0% YoY
- + Net Worth Ratio: Top 0.0% in tier
- + Member Growth Rate: Top 3.0% in tier
- + Share Certificate Concentration (%): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.0% in tier
- - Shrinking Wallet Share: Bottom 0.4% in tier
- - Indirect Auto Dependency: Bottom 31.9% in tier
- - Liquidity Overhang: Bottom 40.6% in tier
- - AMR Growth Rate: Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 2.4% in tier
- - Fee Income Per Member: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 7.7% in tier
- - First Mortgage Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,393
+17.0% YoY+20.9% QoQ
|
+13.6K |
39,752
-2.7% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 11.2% in tier |
| Assets |
$687.4M
+0.8% YoY+0.2% QoQ
|
+$65.0M |
$622.4M
+0.3% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$433.8M
-16.4% YoY-2.8% QoQ
|
$-2.1M |
$435.9M
-0.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$544.4M
+0.5% YoY-0.5% QoQ
|
+$6.3M |
$538.0M
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
54% |
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| ROA |
1.3%
-6.1% YoY+15.7% QoQ
|
+0.6% |
0.7%
+33.9% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 12.4% in tier |
| NIM |
3.7%
-1.9% YoY+0.7% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
69.8%
+1.4% YoY-2.7% QoQ
|
-8.3% |
78.1%
-3.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.7%
-8.5% YoY-2.1% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
79.7%
-16.8% YoY-2.3% QoQ
|
-1.3% |
81.0%
-1.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$18,320
-21.2% YoY-18.5% QoQ
|
$-8K |
$26,482
+2.6% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.1% in tier |
| CD Concentration |
14.9%
+5.0% YoY+1.4% QoQ
|
-9.5% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
19% |
| Indirect Auto % |
22.0%
-35.8% YoY-12.8% QoQ
|
+8.1% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
74% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)