BlastPoint's Credit Union Scorecard
COMMUNITY FIRST
Charter #61667 · CA
COMMUNITY FIRST has 6 strengths but faces 7 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
- + Wallet Share Momentum: Top 3.1% in tier
- + ROA 0.35% above tier average
- + Net Interest Margin 0.49% above tier average
- + AMR Growth Rate: Top 3.4% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Asset Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.8% in tier
- - Credit Quality Pressure: Bottom 7.8% in tier
- - Credit Risk Growth: Bottom 24.7% in tier
- - Membership Headwinds: Bottom 85.5% in tier
- - Stagnation Risk: Bottom 85.5% in tier
- - Delinquency rate 0.65% above tier average
- - Member decline: -3.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,012
-3.8% YoY-1.3% QoQ
|
+6.5K |
51,500
+0.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$922.1M
+14.5% YoY+0.8% QoQ
|
+$56.5M |
$865.6M
+0.9% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$644.1M
+8.1% YoY-0.2% QoQ
|
+$48.9M |
$595.3M
+1.6% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$817.0M
+13.9% YoY+0.7% QoQ
|
+$74.8M |
$742.2M
+0.6% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
1.1%
+90.0% YoY+111.4% QoQ
|
+0.4% |
0.8%
+45.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
3.9%
+7.8% YoY+3.9% QoQ
|
+0.5% |
3.5%
+6.1% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
72.9%
-7.1% YoY-9.0% QoQ
|
-2.6% |
75.5%
-3.4% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
1.3%
+67.0% YoY-38.5% QoQ
|
+0.7 |
0.7%
-0.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.3% in tier |
| Loan To Share |
78.8%
-5.1% YoY-1.0% QoQ
|
-1.8% |
80.6%
+0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$25,187
+15.7% YoY+1.6% QoQ
|
$-4K |
$28,908
+0.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
33.0%
-4.1% YoY-0.0% QoQ
|
+8.7% | 24.3% | 21.6% | 19.8% | 79% |
| Indirect Auto % |
31.2%
-26.1% YoY-8.7% QoQ
|
+17.4% | 13.8% | 9.0% | 7.7% | 84% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)