BlastPoint's Credit Union Scorecard
AMERICA'S FIRST
Charter #24534 · AL
AMERICA'S FIRST has 10 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 72.4% in tier
- + Wallet Share Momentum: Top 73.8% in tier
- + ROA 0.72% above tier average
- + Net Interest Margin 0.20% above tier average
- + Total Members: Top 1.7% in tier
- + Total Loans: Top 3.3% in tier
- + Total Deposits: Top 5.0% in tier
- + Total Assets: Top 6.6% in tier
- + Efficiency Ratio: Top 9.9% in tier
- + First Mortgage Concentration (%): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.6% in tier
- - Credit Risk Growth: Bottom 31.3% in tier
- - Credit Quality Pressure: Bottom 45.7% in tier
- - Liquidity Strain: Bottom 68.5% in tier
- - Delinquency rate 0.04% above tier average
- - Indirect Auto Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
194,683
+0.5% YoY-0.5% QoQ
|
+97.3K |
97,431
-2.4% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 2.0% in tier |
| Assets |
$2.7B
+6.7% YoY+2.4% QoQ
|
+$963.7M |
$1.7B
+0.9% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Top 7.0% in tier |
| Loans |
$2.2B
+8.3% YoY+0.0% QoQ
|
+$940.4M |
$1.2B
+0.5% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Top 3.6% in tier |
| Deposits |
$2.3B
+5.8% YoY+2.4% QoQ
|
+$881.5M |
$1.5B
+0.9% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 5.3% in tier |
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| ROA |
1.4%
+31.0% YoY-5.5% QoQ
|
+0.7% |
0.7%
+20.9% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 6.6% in tier |
| NIM |
3.5%
+16.5% YoY+0.1% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
62.7%
-5.9% YoY+4.2% QoQ
|
-11.3% |
74.1%
-9.5% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate |
0.9%
+20.1% YoY+19.5% QoQ
|
+0.0 |
0.9%
+6.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
92.9%
+2.4% YoY-2.3% QoQ
|
+8.1% |
84.8%
-0.8% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$23,195
+6.4% YoY+1.7% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
27.4%
+3.4% YoY+0.2% QoQ
|
-1.6% | 29.0% | 21.2% | 19.8% | 43% |
| Indirect Auto % |
48.9%
-0.5% YoY-0.9% QoQ
|
+30.6% | 18.3% | 5.2% | 7.8% | Top 4.8% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)