BlastPoint's Credit Union Scorecard
AMERICA'S FIRST
Charter #24534 · AL
AMERICA'S FIRST has 6 strengths but faces 4 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
- + ROA 0.43% above tier average
- + Net Interest Margin 0.16% above tier average
- + Total Members: Top 1.3% in tier
- + Total Deposits: Top 3.3% in tier
- + Total Loans: Top 3.7% in tier
- + Total Assets: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 16.3% in tier
- - Indirect Auto Dependency: Bottom 35.2% in tier
- - Liquidity Strain: Bottom 42.4% in tier
- - Indirect Auto Concentration (%): Bottom 4.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Alabama.
- Shares and deposits +6.0% year over year ($2.42B in shares and deposits).
- Membership: 195,624 members, +0.3% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 1.25%.
- Efficiency ratio 65.79% vs a 73.02% peer average.
- Loan-to-share ratio 90.92% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
195,624
+0.3% YoY+0.3% QoQ
|
+98.8K |
96,861
-1.9% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Top 1.7% in tier |
| Assets |
$2.8B
+6.9% YoY+1.6% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Top 4.3% in tier |
| Loans |
$2.2B
+2.7% YoY+1.6% QoQ
|
+$962.3M |
$1.2B
+0.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Top 4.0% in tier |
| Deposits |
$2.4B
+6.0% YoY+1.2% QoQ
|
+$952.4M |
$1.5B
+0.5% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Top 3.7% in tier |
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| ROA |
1.3%
-9.7% YoY+66.7% QoQ
|
+0.4% |
0.8%
+27.6% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 15.0% in tier |
| NIM |
3.6%
+4.8% YoY+2.3% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
65.8%
+6.3% YoY-9.2% QoQ
|
-7.2% |
73.0%
-2.7% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
0.8%
-6.6% YoY+0.1% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
90.9%
-3.1% YoY+0.4% QoQ
|
+6.2% |
84.7%
+0.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$23,577
+4.1% YoY+1.1% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
27.2%
+2.3% YoY+0.6% QoQ
|
-1.9% | 29.1% | 21.8% | 20.0% | 43% |
| Indirect Auto % |
47.5%
-4.6% YoY-2.1% QoQ
|
+29.4% | 18.1% | 5.2% | 7.7% | Bottom 5.1% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)