THE FIRST FINANCIAL
Charter #24875 | CA
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
10 500M-750M in CA
THE FIRST FINANCIAL has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 1.5% in tier
- + Wallet Share Momentum: Top 10.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 0.0% in tier
- + Total Assets: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.5% in tier
- - Membership Headwinds: Bottom 11.3% in tier
- - Institutional Decline: Bottom 12.3% in tier
- - Stagnation Risk: Bottom 19.3% in tier
- - ROA 0.77% below tier average
- - Efficiency ratio 13.65% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Net Worth Ratio: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 7.1% in tier
- - Member Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,783
-3.7% YoY+0.2% QoQ
|
-6.0K |
39,752
-2.7% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
32nd in tier |
| Assets |
$749.7M
-2.8% YoY-0.2% QoQ
|
+$127.3M |
$622.4M
+0.3% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 1.2% in tier |
| Loans |
$402.3M
-1.6% YoY+0.3% QoQ
|
$-33.6M |
$435.9M
-0.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
36th in tier |
| Deposits |
$717.9M
+5.4% YoY+0.1% QoQ
|
+$179.9M |
$538.0M
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 0.6% in tier |
| ROA |
-0.1%
-15.1% YoY-14.0% QoQ
|
-0.8% |
0.7%
+33.9% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.1% in tier |
| NIM |
3.0%
+5.2% YoY+2.0% QoQ
|
-0.4% |
3.4%
+8.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 24.3% in tier |
| Efficiency Ratio |
91.7%
+0.4% YoY-0.7% QoQ
|
+13.6% |
78.1%
-3.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
0.5%
-10.7% YoY+10.6% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
40th in tier |
| Loan To Share |
56.0%
-6.6% YoY+0.2% QoQ
|
-25.0% |
81.0%
-1.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.5% in tier |
| AMR |
$33,160
+6.8% YoY+0.0% QoQ
|
+$7K |
$26,482
+2.6% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.2% in tier |
| CD Concentration |
26.6%
+12.4% YoY+0.8% QoQ
|
+2.2% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
58th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#41 of 1006 • Top 1.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
6.75%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$5.6K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#297 of 1006 • Top 10.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
6.75%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (4)
Efficiency Drag
risk
#62 of 521 • Bottom 3.5% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
91.74%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.02% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-3.73%
(Tier:
0.88%, National:
9.37%)
521 of 281 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#187 of 550 • Bottom 11.3% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-3.73%
(Tier:
0.88%, National:
9.37%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Institutional Decline
decline
#98 of 256 • Bottom 12.3% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$749.71M
(Tier: $622.38M, National: $547.69M)
Member Growth (YoY):
-3.73%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-1.59%
(Tier:
3.64%, National:
36.38%)
256 of 281 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Stagnation Risk
risk
#319 of 550 • Bottom 19.3% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
-0.11%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-3.73%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$33.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
26.56%
(Tier:
24.41%, National:
19.60%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 16.19%
#1 of 169
Top 0.0% in 500M-750M tier
1
Total Deposits
balance_sheet
Value:
$717.95M
Peer Avg: $538.02M
#1 of 169
Top 0.0% in 500M-750M tier
2
Total Assets
balance_sheet
Value:
$749.71M
Peer Avg: $622.38M
#2 of 169
Top 0.6% in 500M-750M tier
24
Average Member Relationship (AMR)
engagement
Value:
$33,160
Peer Avg: $26,482
#24 of 169
Top 13.6% in 500M-750M tier
37
AMR Growth Rate
growth
Value:
6.75%
Peer Avg: 3.12%
#37 of 169
Top 21.3% in 500M-750M tier
Top Weaknesses (9 metrics)
167
Net Worth Ratio
risk
Value:
7.18%
Peer Avg: 10.94%
#167 of 169
Bottom 1.8% in 500M-750M tier
162
Return on Assets (ROA)
profitability
Value:
-0.11%
Peer Avg: 0.66%
#162 of 169
Bottom 4.7% in 500M-750M tier
159
Efficiency Ratio
profitability
Value:
91.74%
Peer Avg: 78.10%
#159 of 169
Bottom 6.5% in 500M-750M tier
158
Loan-to-Share Ratio
balance_sheet
Value:
56.04%
Peer Avg: 81.02%
#158 of 169
Bottom 7.1% in 500M-750M tier
155
Member Growth Rate
growth
Value:
-3.73%
Peer Avg: 1.75%
#155 of 169
Bottom 8.9% in 500M-750M tier
150
Asset Growth Rate
growth
Value:
-2.82%
Peer Avg: 4.33%
#150 of 169
Bottom 11.8% in 500M-750M tier
134
Net Charge-Off Rate
risk
Value:
0.78%
Peer Avg: 0.51%
#134 of 169
Bottom 21.3% in 500M-750M tier
133
Loan Growth Rate
growth
Value:
-1.59%
Peer Avg: 4.04%
#133 of 169
Bottom 21.9% in 500M-750M tier
128
Net Interest Margin (NIM)
profitability
Value:
3.04%
Peer Avg: 3.43%
#128 of 169
Bottom 24.9% in 500M-750M tier