BlastPoint's Credit Union Scorecard

THE FIRST FINANCIAL

Charter #24875 · CA

Community 500M-750M

165 CUs in 500M-750M nationally 9 in CA

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THE FIRST FINANCIAL has 5 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 18.7% in tier
+ Wallet Share Momentum: Top 37.9% in tier
+ Total Assets: Top 0.0% in tier
+ Total Deposits: Top 0.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 18.6% in tier
- Stagnation Risk: Bottom 24.8% in tier
- Institutional Decline: Bottom 25.9% in tier
- Efficiency Drag: Bottom 29.0% in tier
- ROA 0.96% below tier average
- Efficiency ratio 19.02% above tier (higher cost structure)
- Member decline: -5.8% YoY
- Net Worth Ratio: Bottom 1.2% in tier
- Member Growth Rate: Bottom 5.5% in tier
- Loan-to-Share Ratio: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	32,947 -5.8% YoY-2.5% QoQ	-5.6K	38,575 -4.8% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	32%
Assets	$745.0M -1.2% YoY-0.6% QoQ	+$123.3M	$621.7M +0.1% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Top 0.6% in tier
Loans	$401.7M -1.1% YoY-0.1% QoQ	$-28.1M	$429.8M -1.8% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	34%
Deposits	$713.3M +4.7% YoY-0.6% QoQ	+$174.6M	$538.7M +0.6% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Top 0.6% in tier

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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	-0.3% -34.9% YoY+162.3% QoQ	-1.0%	0.7% +42.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 2.4% in tier
NIM	3.1% +6.4% YoY+1.6% QoQ	-0.4%	3.4% +8.0% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	25%
Efficiency Ratio	96.5% +1.0% YoY+5.2% QoQ	+19.0%	77.5% -4.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 2.4% in tier
Delinquency Rate	0.6% -8.0% YoY+20.9% QoQ	-0.2	0.8% -1.1% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	42%
Loan To Share	56.3% -5.6% YoY+0.5% QoQ	-23.5%	79.8% -2.3% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 6.7% in tier
AMR	$33,843 +8.8% YoY+2.1% QoQ	+$7K	$26,849 +2.7% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	85%
CD Concentration	27.2% +12.1% YoY+2.2% QoQ	+2.7%	24.4%	21.7%	19.8%	60%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#51 of 268 • Top 18.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.81%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $5.8K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#195 of 513 • Top 37.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.81%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#104 of 554 • Bottom 18.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.78%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#138 of 554 • Bottom 24.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.78%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.13%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.64%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#63 of 240 • Bottom 25.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $744.99M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -5.78%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.13%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 282 Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#157 of 538 • Bottom 29.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 96.54%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -5.78%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 165 peers in tier

Top Strengths (5 metrics)

Total Assets

balance_sheet

Value: $744.99M

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Total Deposits

balance_sheet

Value: $713.28M

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.81%

Peer Median: -

#21 of 165 Top 12.1% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $33,843

Peer Median: -

#25 of 165 Top 14.5% in 500M-750M tier

Top Weaknesses (8 metrics)

164

Net Worth Ratio

risk

Value: 6.92%

Peer Median: -

#164 of 165 Bottom 1.2% in 500M-750M tier

162

Efficiency Ratio

profitability

Value: 96.54%

Peer Median: -

#162 of 165 Bottom 2.4% in 500M-750M tier

161

Return on Assets (ROA)

profitability

Value: -0.30%

Peer Median: -

#161 of 165 Bottom 3.0% in 500M-750M tier

157

Member Growth Rate

growth

Value: -5.78%

Peer Median: -

#157 of 165 Bottom 5.5% in 500M-750M tier

154

Loan-to-Share Ratio

balance_sheet

Value: 56.32%

Peer Median: -

#154 of 165 Bottom 7.3% in 500M-750M tier

146

Asset Growth Rate

growth

Value: -1.20%

Peer Median: -

#146 of 165 Bottom 12.1% in 500M-750M tier

136

Net Charge-Off Rate

risk

Value: 0.82%

Peer Median: -

#136 of 165 Bottom 18.2% in 500M-750M tier

134

Loan Growth Rate

growth

Value: -1.13%

Peer Median: -

#134 of 165 Bottom 19.4% in 500M-750M tier