BlastPoint's Credit Union Scorecard
THE FIRST FINANCIAL
Charter #24875 · CA
THE FIRST FINANCIAL has 5 strengths but faces 10 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 29.7% in tier
- + Wallet Share Momentum: Top 61.7% 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
|
32% |
| 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
|
36% |
| 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 |
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| 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
|
24% |
| 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
|
40% |
| 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
|
58% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)