BlastPoint's Credit Union Scorecard
MODESTO'S FIRST
Charter #4022 · CA
MODESTO'S FIRST has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.2% YoY
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + Loan Growth Rate: Top 2.4% in tier
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Member Growth Rate: Top 5.0% in tier
- + Total Loans: Top 5.3% in tier
- + Deposit Growth Rate: Top 5.9% in tier
- + Asset Growth Rate: Top 6.1% in tier
- + Loan-to-Share Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Indirect Auto Concentration (%): Bottom 6.3% in tier
- - Share Certificate Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,378
+7.2% YoY+2.6% QoQ
|
+752 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$62.0M
+11.4% YoY+3.8% QoQ
|
+$32.1M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$50.5M
+22.5% YoY+8.5% QoQ
|
+$34.7M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 5.3% in tier |
| Deposits |
$55.3M
+12.1% YoY+3.4% QoQ
|
+$29.9M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 14.9% in tier |
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| ROA |
0.5%
+37.0% YoY-40.5% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.8%
+26.3% YoY+3.0% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
62.6%
-19.8% YoY-2.4% QoQ
|
-18.8% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.9%
+156.5% YoY-26.6% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
91.3%
+9.3% YoY+4.9% QoQ
|
+30.0% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 9.9% in tier |
| AMR |
$31,326
+8.9% YoY+3.0% QoQ
|
+$17K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 3.5% in tier |
| CD Concentration |
40.2%
+6.9% YoY+6.6% QoQ
|
+15.8% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.5%
-14.6% YoY-11.1% QoQ
|
+4.6% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)