BlastPoint's Credit Union Scorecard

FIRST CITIZENS'

Charter #24254 · MA

Community 500M-750M
165 CUs in 500M-750M nationally 7 in MA
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FIRST CITIZENS' has 4 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.43% above tier average
  • + Net Interest Margin 0.29% above tier average
  • + Net Worth Ratio: Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 7.3% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 4.2% in tier
  • - Flatlined Growth: Bottom 10.0% in tier
  • - Stagnation Risk: Bottom 11.8% in tier
  • - Accelerating Exit Risk: Bottom 14.5% in tier
  • - Shrinking Wallet Share: Bottom 37.2% in tier
  • - Liquidity Overhang: Bottom 37.3% in tier
  • - Membership Headwinds: Bottom 38.2% in tier
  • - Credit Quality Pressure: Bottom 61.8% in tier
  • - Indirect Auto Dependency: Bottom 86.9% in tier
  • - Delinquency rate 0.03% above tier average
  • - Member decline: -3.6% YoY
  • - Loan Growth Rate: Bottom 1.2% in tier
  • - First Mortgage Concentration (%): Bottom 6.7% in tier
  • - AMR Growth Rate: Bottom 7.3% in tier
  • - Fee Income Per Member: Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 43,342
-3.6% YoY-18.8% QoQ
+4.8K 38,575
-4.8% YoY
27,118
+2.4% YoY
33,374
+5.7% YoY
68%
Assets $684.3M
+1.2% YoY-0.4% QoQ
+$62.6M $621.7M
+0.1% YoY
$450.6M
+5.5% YoY
$561.6M
+9.7% YoY
74%
Loans $415.2M
-16.1% YoY-4.3% QoQ
$-14.7M $429.8M
-1.8% YoY
$346.1M
+3.6% YoY
$397.0M
+8.8% YoY
42%
Deposits $544.2M
+1.3% YoY-0.0% QoQ
+$5.5M $538.7M
+0.6% YoY
$377.7M
+7.2% YoY
$477.3M
+9.7% YoY
55%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 1.1%
+39.8% YoY-15.1% QoQ
+0.4% 0.7%
+42.9% YoY
0.6%
+6.8% YoY
0.7%
+15.9% YoY
82%
NIM 3.7%
-1.9% YoY+0.3% QoQ
+0.3% 3.4%
+8.0% YoY
3.3%
+4.1% YoY
3.8%
+5.1% YoY
74%
Efficiency Ratio 71.4%
+3.3% YoY+2.3% QoQ
-6.1% 77.5%
-4.1% YoY
81.2%
-12.2% YoY
79.7%
-3.3% YoY
26%
Delinquency Rate 0.9%
+19.5% YoY+22.3% QoQ
+0.0 0.8%
-1.1% YoY
0.9%
+13.0% YoY
1.3%
-2.1% YoY
66%
Loan To Share 76.3%
-17.1% YoY-4.3% QoQ
-3.6% 79.8%
-2.3% YoY
73.5%
-2.0% YoY
67.4%
-1.7% YoY
34%
AMR $22,136
-3.6% YoY+20.8% QoQ
$-5K $26,849
+2.7% YoY
$25,262
+4.8% YoY
$19,687
+2.0% YoY
25%
CD Concentration 15.8%
+8.7% YoY+5.5% QoQ
-8.7% 24.4% 25.0% 19.8% 21%
Indirect Auto % 19.1%
-38.9% YoY-13.1% QoQ
+5.3% 13.8% 2.4% 7.8% 70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Institutional Decline

decline
#11 of 240 • Bottom 4.2% in tier

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

Why This Signature
Total Assets: $684.35M
(Tier: $334.15M, National: $561.61M)
but better than tier avg
Member Growth (YoY): -3.62%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -16.08%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
240 of 282 Community CUs have this signature | 277 nationally
→ No prior data (240 CUs now) | New qualifier

Flatlined Growth

risk
#5 of 41 • Bottom 10.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature
Asset Growth (YoY): 1.17%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Return on Assets: 1.09%
(Tier: 0.75%, National: 0.67%)
but better than tier avg
41 of 282 Community CUs have this signature | 59 nationally
→ No prior data (41 CUs now) | New qualifier

Stagnation Risk

risk
#66 of 554 • Bottom 11.8% 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): -3.62%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -16.08%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.87%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
652 nationally
→ No prior data (554 CUs now) | New qualifier

Accelerating Exit Risk

decline
#9 of 56 • Bottom 14.5% in tier

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

Why This Signature
Member Growth (YoY): -3.62%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
AMR Growth (YoY): -3.57%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
56 of 282 Community CUs have this signature | 69 nationally
→ No prior data (56 CUs now) | New qualifier

Shrinking Wallet Share

decline
#78 of 208 • Bottom 37.2% in tier

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

Why This Signature
AMR Growth (YoY): -3.57%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 282 Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | New qualifier

Liquidity Overhang

risk
#51 of 135 • Bottom 37.3% in tier

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

Why This Signature
Net Worth Ratio: 19.82%
(Tier: 11.97%, National: 14.49%)
but better than tier avg
Loan-to-Share Ratio: 76.28%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
135 of 282 Community CUs have this signature | 155 nationally
↑ Growing +17 CUs YoY | Rank improving

Membership Headwinds

decline
#212 of 554 • Bottom 38.2% in tier

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

Why This Signature
Member Growth (YoY): -3.62%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
652 nationally
→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk
#436 of 705 • Bottom 61.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#440 of 506 • Bottom 86.9% in tier

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

Why This Signature
Asset Growth (YoY): 1.17%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 19.14%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -3.62%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
745 nationally
↓ Shrinking -35 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)

Comparing against 165 peers in tier

Top Strengths (3 metrics)

1
Net Worth Ratio
risk
Value: 19.82%
Peer Median: -
#1 of 165 Top 0.0% in 500M-750M tier
13
Share Certificate Concentration (%)
balance_sheet
Value: 15.78%
Peer Median: -
#13 of 165 Top 7.3% in 500M-750M tier
29
Return on Assets (ROA)
profitability
Value: 1.09%
Peer Median: -
#29 of 165 Top 17.0% in 500M-750M tier

Top Weaknesses (7 metrics)

164
Loan Growth Rate
growth
Value: -16.08%
Peer Median: -
#164 of 165 Bottom 1.2% in 500M-750M tier
155
First Mortgage Concentration (%)
balance_sheet
Value: 58.48%
Peer Median: -
#155 of 165 Bottom 6.7% in 500M-750M tier
154
AMR Growth Rate
growth
Value: -3.57%
Peer Median: -
#154 of 165 Bottom 7.3% in 500M-750M tier
151
Fee Income Per Member
profitability
Value: $120.30
Peer Median: -
#151 of 165 Bottom 9.1% in 500M-750M tier
145
Member Growth Rate
growth
Value: -3.62%
Peer Median: -
#145 of 165 Bottom 12.7% in 500M-750M tier
132
Deposit Growth Rate
growth
Value: 1.26%
Peer Median: -
#132 of 165 Bottom 20.6% in 500M-750M tier
129
Asset Growth Rate
growth
Value: 1.17%
Peer Median: -
#129 of 165 Bottom 22.4% in 500M-750M tier
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