BlastPoint's Credit Union Scorecard
FIRST CITIZENS'
Charter #24254 · MA
FIRST CITIZENS' has 4 strengths but faces 15 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
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% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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)
Concerns (9)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)