BlastPoint's Credit Union Scorecard
AMERICA'S FIRST
Charter #24534 · AL
AMERICA'S FIRST has 10 strengths but faces 5 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
- + Profitability Leader: Top 23.4% in tier
- + Wallet Share Momentum: Top 65.2% in tier
- + ROA 0.79% above tier average
- + Net Interest Margin 0.21% above tier average
- + Total Members: Top 1.6% in tier
- + Total Loans: Top 4.3% in tier
- + Efficiency Ratio: Top 7.2% in tier
- + Total Deposits: Top 7.6% in tier
- + First Mortgage Concentration (%): Top 9.2% in tier
- + Total Assets: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.2% in tier
- - Credit Risk Growth: Bottom 10.2% in tier
- - Liquidity Strain: Bottom 14.3% in tier
- - Credit Quality Pressure: Bottom 18.6% in tier
- - Indirect Auto Concentration (%): Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
195,598
+0.1% YoY+0.2% QoQ
|
+96.9K |
98,678
-1.9% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 2.0% in tier |
| Assets |
$2.6B
+4.4% YoY+0.8% QoQ
|
+$905.7M |
$1.7B
+0.5% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 9.9% in tier |
| Loans |
$2.2B
+10.5% YoY+1.6% QoQ
|
+$941.1M |
$1.2B
+0.5% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Top 4.6% in tier |
| Deposits |
$2.3B
+3.4% YoY+0.3% QoQ
|
+$831.1M |
$1.5B
+1.3% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 7.9% in tier |
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| ROA |
1.5%
+30.0% YoY+7.5% QoQ
|
+0.8% |
0.7%
+13.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 6.6% in tier |
| NIM |
3.5%
+20.5% YoY+1.6% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
60.2%
-9.3% YoY-2.7% QoQ
|
-13.8% |
74.0%
-10.9% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate |
0.8%
+11.1% YoY-5.2% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
95.1%
+6.9% YoY+1.3% QoQ
|
+9.9% |
85.2%
-0.8% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$22,800
+6.7% YoY+0.7% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
27.4%
+2.0% YoY+3.0% QoQ
|
-1.6% |
29.0%
+0.7% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
44% |
| Indirect Auto % |
49.4%
+0.8% YoY-0.7% QoQ
|
+30.6% |
18.8%
-3.0% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
Top 4.7% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)