BlastPoint's Credit Union Scorecard
AMERICA FIRST
Charter #24694 · UT
AMERICA FIRST has 3 strengths but faces 4 concerns
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How does UT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 0.35% above tier average
- + First Mortgage Concentration (%): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.2% in tier
- - Indirect Auto Dependency: Bottom 33.3% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Delinquency rate 0.43% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,552,965
+4.2% YoY-0.1% QoQ
|
-159.6K |
1,712,610
-8.0% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
71% |
| Assets |
$24.7B
+9.5% YoY+4.0% QoQ
|
$-3.4B |
$28.2B
-3.2% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$16.7B
+7.6% YoY+0.6% QoQ
|
$-3.4B |
$20.2B
-4.4% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$21.6B
+8.8% YoY+4.1% QoQ
|
$-2.5B |
$24.1B
-2.9% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
1.4%
+0.8% YoY-2.1% QoQ
|
+0.5% |
0.9%
+31.5% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
83% |
| NIM |
3.5%
+1.2% YoY-1.2% QoQ
|
+0.3% |
3.2%
+4.6% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
55.6%
+0.2% YoY+2.1% QoQ
|
-8.2% |
63.9%
-3.7% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
1.3%
+11.8% YoY-15.2% QoQ
|
+0.4 |
0.9%
-6.9% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
77.5%
-1.1% YoY-3.4% QoQ
|
-8.6% |
86.0%
-3.3% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$24,706
+4.0% YoY+2.6% QoQ
|
$-7K |
$32,099
+9.5% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
30.5%
-1.1% YoY-2.4% QoQ
|
+0.3% | 30.2% | 28.4% | 19.8% | 42% |
| Indirect Auto % |
32.2%
-3.6% YoY-1.0% QoQ
|
+17.3% | 14.9% | 7.1% | 7.7% | Bottom 12.5% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)