BlastPoint's Credit Union Scorecard

AMERICA FIRST

Charter #24694 · UT

Titans 10B+

21 CUs in 10B+ nationally 2 in UT

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AMERICA FIRST has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 37.5% in tier
+ ROA 0.69% above tier average
+ Net Interest Margin 0.46% above tier average
+ First Mortgage Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.0% in tier
- Credit Risk Growth: Bottom 23.1% in tier
- Indirect Auto Dependency: Bottom 28.6% in tier
- Delinquency rate 0.39% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	1,554,689 +4.4% YoY+1.1% QoQ	-276.6K	1,831,295 -0.2% YoY	78,581 +8.3% YoY	33,374 +5.7% YoY	76%
Assets	$23.8B +9.4% YoY+2.0% QoQ	$-5.4B	$29.1B +3.6% YoY	$1.2B +12.9% YoY	$561.6M +9.7% YoY	71%
Loans	$16.7B +7.7% YoY+1.4% QoQ	$-4.7B	$21.4B +2.0% YoY	$958.3M +12.4% YoY	$397.0M +8.8% YoY	67%
Deposits	$20.8B +8.6% YoY+1.7% QoQ	$-4.1B	$24.9B +4.3% YoY	$1.1B +12.7% YoY	$477.3M +9.7% YoY	71%

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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	1.4% +28.4% YoY-3.6% QoQ	+0.7%	0.7% +30.7% YoY	0.8% +12.1% YoY	0.7% +15.9% YoY	Top 4.8% in tier
NIM	3.6% +8.1% YoY+0.1% QoQ	+0.5%	3.1% +7.9% YoY	3.4% +4.7% YoY	3.8% +5.1% YoY	76%
Efficiency Ratio	54.5% -5.6% YoY+1.6% QoQ	-10.1%	64.6% -4.0% YoY	72.6% -3.7% YoY	79.7% -3.3% YoY	Bottom 9.5% in tier
Delinquency Rate	1.6% +18.9% YoY+23.4% QoQ	+0.4	1.2% +0.3% YoY	1.0% +50.5% YoY	1.3% -2.1% YoY	81%
Loan To Share	80.2% -0.8% YoY-0.3% QoQ	-8.9%	89.1% -2.0% YoY	76.7% -4.3% YoY	67.4% -1.7% YoY	19%
AMR	$24,070 +3.6% YoY+0.4% QoQ	$-8K	$31,580 +8.5% YoY	$21,704 +5.2% YoY	$19,687 +2.0% YoY	24%
CD Concentration	31.3% -1.8% YoY-1.0% QoQ	-0.2%	31.4%	28.4%	19.8%	38%
Indirect Auto %	32.5% -3.3% YoY-1.9% QoQ	+18.4%	14.1%	7.4%	7.8%	Top 14.3% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#7 of 17 • Top 37.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.41%

(Tier: 3.16%, National: 4.32%)

better than tier avg

Return on Assets: 1.42%

(Tier: 0.73%, National: 0.67%)

better than tier avg

Indirect Auto %: 32.55%

(Tier: 14.14%, National: 7.78%)

but worse than tier avg

17 of 21 Titans CUs have this signature | 913 nationally

→ No prior data (17 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#4 of 16 • Bottom 20.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.05% points, National: 0.06% points)

worse than tier avg

16 of 21 Titans CUs have this signature | 969 nationally

→ Stable (19→16 CUs) -3 CUs YoY

Credit Risk Growth

risk

#4 of 14 • Bottom 23.1% in tier

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

Why This Signature

Loan Growth (YoY): 7.74%

(Tier: 6.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.05% points, National: 0.06% points)

worse than tier avg

14 of 21 Titans CUs have this signature | 665 nationally

→ No prior data (14 CUs now) | New qualifier

Indirect Auto Dependency

risk

#3 of 8 • Bottom 28.6% in tier

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

Why This Signature

Asset Growth (YoY): 9.43%

(Tier: 6.25%, National: 3.54%)

but better than tier avg

Indirect Auto %: 32.55%

(Tier: 14.14%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 4.41%

(Tier: 3.16%, National: 4.32%)

but better than tier avg

8 of 21 Titans CUs have this signature | 745 nationally

→ Stable (8→8 CUs)

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 21 peers in tier

Top Strengths (8 metrics)

Return on Assets (ROA)

profitability

Value: 1.42%

Peer Median: -

#1 of 21 Top 0.0% in 10B+ tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.87%

Peer Median: -

#1 of 21 Top 0.0% in 10B+ tier

Efficiency Ratio

profitability

Value: 54.51%

Peer Median: -

#3 of 21 Top 9.5% in 10B+ tier

Net Worth Ratio

risk

Value: 11.51%

Peer Median: -

#4 of 21 Top 14.3% in 10B+ tier

Net Interest Margin (NIM)

profitability

Value: 3.58%

Peer Median: -

#5 of 21 Top 19.0% in 10B+ tier

Total Members

engagement

Value: 1,554,689

Peer Median: -

#5 of 21 Top 19.0% in 10B+ tier

Total Assets

balance_sheet

Value: $23.79B

Peer Median: -

#6 of 21 Top 23.8% in 10B+ tier

Total Deposits

balance_sheet

Value: $20.77B

Peer Median: -

#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 32.55%

Peer Median: -

#19 of 21 Bottom 14.3% in 10B+ tier

Total Delinquency Rate (60+ days)

risk

Value: 1.58%

Peer Median: -

#18 of 21 Bottom 19.0% in 10B+ tier

Loan-to-Share Ratio

balance_sheet

Value: 80.16%

Peer Median: -

#17 of 21 Bottom 23.8% in 10B+ tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,710

Peer Median: -

#17 of 21 Bottom 23.8% in 10B+ tier