BlastPoint's Credit Union Scorecard
COMMUNITY FIRST
Charter #61667 · CA
COMMUNITY FIRST has 4 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
- + Wallet Share Momentum: Top 2.6% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.46% above tier average
- + AMR Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 2.3% in tier
- - Flatlined Growth: Bottom 79.8% in tier
- - Indirect Auto Dependency: Bottom 79.8% in tier
- - Membership Headwinds: Bottom 98.9% in tier
- - Stagnation Risk: Bottom 98.9% in tier
- - Delinquency rate 0.42% above tier average
- - Member decline: -15.8% YoY
- - Member Growth Rate: Bottom 2.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits -0.6% year over year ($813M in shares and deposits).
- Membership: 57,190 members, -15.8% vs a year ago.
- Delinquency rate 1.22%.
- Return on assets 1.15%.
- Efficiency ratio 74.44% vs a 74.54% peer average.
- Loan-to-share ratio 82.23% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,190
-15.8% YoY-1.4% QoQ
|
+4.7K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
63% |
| Assets |
$921.0M
+0.6% YoY-0.1% QoQ
|
+$57.0M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$668.9M
-2.3% YoY+3.8% QoQ
|
+$61.1M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$813.4M
-0.6% YoY-0.4% QoQ
|
+$73.5M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
78% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+184.6% YoY+3.2% QoQ
|
+0.3% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
4.0%
+4.4% YoY+0.7% QoQ
|
+0.5% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
74.4%
-11.0% YoY+2.1% QoQ
|
-0.1% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
1.2%
-34.1% YoY-8.4% QoQ
|
+0.4 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
82.2%
-1.8% YoY+4.3% QoQ
|
-0.4% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$25,918
+17.2% YoY+2.9% QoQ
|
$-3K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
33.6%
+3.6% YoY+2.0% QoQ
|
+9.0% | 24.6% | 22.2% | 20.0% | 81% |
| Indirect Auto % |
29.2%
-23.6% YoY-6.4% QoQ
|
+15.6% | 13.6% | 9.2% | 7.7% | 83% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)