BlastPoint's Credit Union Scorecard
THE FIRST FINANCIAL
Charter #24875 · CA
THE FIRST FINANCIAL has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 59.3% in tier
- + Total Deposits: Top 0.1% in tier
- + Total Assets: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 8.8% in tier
- - Efficiency Drag: Bottom 20.8% in tier
- - Credit Quality Pressure: Bottom 27.5% in tier
- - Stagnation Risk: Bottom 73.3% in tier
- - Membership Headwinds: Bottom 73.3% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 9.03% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.4% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in California.
- Shares and deposits +1.4% year over year ($727M in shares and deposits).
- Membership: 33,087 members, -1.9% vs a year ago.
- Delinquency rate 0.66%.
- Return on assets 0.24%.
- Efficiency ratio 85.59% vs a 76.56% peer average.
- Loan-to-share ratio 54.85% vs a 79.33% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,087
-1.9% YoY+0.2% QoQ
|
-4.8K |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$748.3M
-0.4% YoY+0.2% QoQ
|
+$125.9M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 1.8% in tier |
| Loans |
$398.7M
-0.6% YoY+0.2% QoQ
|
$-29.8M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$726.8M
+1.4% YoY+0.2% QoQ
|
+$187.1M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 0.6% in tier |
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| ROA |
0.2%
-285.1% YoY
|
-0.6% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.7% in tier |
| NIM |
3.3%
+9.1% YoY+1.6% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
85.6%
-7.4% YoY-6.1% QoQ
|
+9.0% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
0.7%
+38.3% YoY+39.2% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
54.9%
-2.0% YoY-0.0% QoQ
|
-24.5% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.3% in tier |
| AMR |
$34,017
+2.6% YoY-0.0% QoQ
|
+$7K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
26.3%
-0.3% YoY-2.3% QoQ
|
+1.7% | 24.6% | 22.2% | 20.0% | 58% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)