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 56.1% in tier
- + Total Deposits: Top 0.1% in tier
- + Total Assets: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 8.8% in tier
- - Efficiency Drag: Bottom 11.7% in tier
- - Stagnation Risk: Bottom 71.4% in tier
- - Membership Headwinds: Bottom 71.4% in tier
- - ROA 0.70% below tier average
- - Efficiency ratio 12.77% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,009
-1.8% YoY+0.2% QoQ
|
-5.1K |
38,079
-4.8% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$746.5M
-1.5% YoY+0.2% QoQ
|
+$126.8M |
$619.7M
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 1.2% in tier |
| Loans |
$397.9M
-0.6% YoY-0.9% QoQ
|
$-21.4M |
$419.3M
-1.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
39% |
| Deposits |
$725.4M
+1.9% YoY+1.7% QoQ
|
+$185.9M |
$539.5M
-0.1% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 0.6% in tier |
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| ROA |
-0.0%
-92.9% YoY-95.8% QoQ
|
-0.7% |
0.7%
+36.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.4% in tier |
| NIM |
3.2%
+10.3% YoY+3.6% QoQ
|
-0.3% |
3.5%
+4.5% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
91.2%
-3.1% YoY-5.6% QoQ
|
+12.8% |
78.4%
-3.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
0.5%
-4.8% YoY-25.7% QoQ
|
-0.2 |
0.7%
-0.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
35% |
| Loan To Share |
54.9%
-2.4% YoY-2.6% QoQ
|
-22.8% |
77.7%
-1.2% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.6% in tier |
| AMR |
$34,030
+2.8% YoY+0.6% QoQ
|
+$7K |
$26,927
+3.1% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
26.9%
+6.7% YoY-1.0% QoQ
|
+2.6% | 24.3% | 21.6% | 19.8% | 61% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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 (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)