BlastPoint's Credit Union Scorecard

AMERICA'S FIRST

Charter #24534 · AL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in AL

View Mid-Market leaderboard →

AMERICA'S FIRST has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.14% above tier average
+ Total Members: Top 1.0% in tier
+ Total Loans: Top 3.3% in tier
+ Total Deposits: Top 4.6% in tier
+ Total Assets: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 5.3% in tier
- Credit Quality Pressure: Bottom 23.9% in tier
- Liquidity Strain: Bottom 36.6% in tier
- Indirect Auto Dependency: Bottom 41.1% in tier
- Margin Compression: Bottom 44.1% in tier
- Credit Risk Growth: Bottom 57.6% in tier
- Indirect Auto Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	195,131 +0.6% YoY+0.2% QoQ	+99.1K	96,048 -2.7% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	Top 1.3% in tier
Assets	$2.7B +5.9% YoY+2.0% QoQ	+$1.0B	$1.7B +0.4% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	Top 5.2% in tier
Loans	$2.2B +4.3% YoY-0.6% QoQ	+$948.1M	$1.2B +0.2% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	Top 3.6% in tier
Deposits	$2.4B +5.1% YoY+2.0% QoQ	+$921.6M	$1.5B +0.5% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	Top 4.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -31.2% YoY-46.7% QoQ	+0.0%	0.7% +27.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	57%
NIM	3.5% +4.4% YoY+0.7% QoQ	+0.1%	3.4% +6.2% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	72.5% +12.1% YoY+15.6% QoQ	-2.1%	74.6% -3.0% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	0.8% +25.1% YoY-17.7% QoQ	+0.0	0.8% +6.9% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	64%
Loan To Share	90.6% -0.7% YoY-2.5% QoQ	+7.4%	83.2% -0.4% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	67%
AMR	$23,312 +4.1% YoY+0.5% QoQ	$-6K	$29,652 +2.3% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	21%
CD Concentration	27.0% +5.9% YoY-1.5% QoQ	-1.8%	28.8%	21.3%	19.8%	44%
Indirect Auto %	48.5% -2.1% YoY-0.9% QoQ	+30.4%	18.1%	5.1%	7.7%	Bottom 4.7% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Indirect Auto Dependency

risk

#16 of 198 • Bottom 41.1% in tier

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

Why This Signature

Asset Growth (YoY): 5.93%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 48.50%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.64%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#91 of 225 • Bottom 23.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Margin Compression

decline

#13 of 24 • Bottom 44.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.09%

(Tier: 0.58%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

24 of 384 Mid-Market CUs have this signature | 162 nationally

→ No prior data (24 CUs now) | New qualifier

Credit Risk Growth

risk

#103 of 183 • Bottom 57.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.33%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Cost Spiral

risk

#8 of 11 • Bottom 5.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.83% points

(Tier: -2.46% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 49.92%

(Tier: 53.09%, National: 64.04%)

but better than tier avg

11 of 384 Mid-Market CUs have this signature | 96 nationally

↓ Shrinking -10 CUs YoY | New qualifier

Liquidity Strain

risk

#142 of 148 • Bottom 36.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.56%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.33%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 195,131

Peer Median: 85,918

#4 of 306 Top 1.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.16B

Peer Median: $1.11B

#11 of 306 Top 3.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.39B

Peer Median: $1.31B

#15 of 306 Top 4.6% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.74B

Peer Median: $1.51B

#16 of 306 Top 4.9% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.51%

Peer Median: 33.05%

#33 of 306 Top 10.5% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 426.050

Peer Median: 345.077

#64 of 306 Top 20.6% in 1B-3B tier

Top Weaknesses (3 metrics)

292

Indirect Auto Concentration (%)

balance_sheet

Value: 48.50%

Peer Median: 13.86%

#292 of 306 Bottom 4.9% in 1B-3B tier

250

Fee Income Per Member

profitability

Value: $142.45

Peer Median: $191.54

#250 of 306 Bottom 18.6% in 1B-3B tier

241

Average Member Relationship (AMR)

engagement

Value: $23,312

Peer Median: $28,178

#241 of 306 Bottom 21.6% in 1B-3B tier