BlastPoint's Credit Union Scorecard
COMMUNITY FIRST
Charter #61667 · CA
COMMUNITY FIRST has 6 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
- + Wallet Share Momentum: Top 7.3% in tier
- + Net Interest Margin 0.34% above tier average
- + AMR Growth Rate: Top 1.8% in tier
- + Loan Growth Rate: Top 2.7% in tier
- + Deposit Growth Rate: Top 7.1% in tier
- + Asset Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.3% in tier
- - Indirect Auto Dependency: Bottom 0.6% in tier
- - Credit Quality Pressure: Bottom 1.0% in tier
- - Membership Headwinds: Bottom 20.1% in tier
- - Stagnation Risk: Bottom 20.6% in tier
- - Efficiency Drag: Bottom 21.4% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 6.60% above tier (higher cost structure)
- - Delinquency rate 1.69% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,821
-2.0% YoY-11.9% QoQ
|
+7.7K |
52,114
-2.1% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$913.1M
+11.5% YoY-0.3% QoQ
|
+$54.1M |
$859.0M
+0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$680.1M
+18.1% YoY-0.7% QoQ
|
+$76.7M |
$603.4M
+1.0% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$813.0M
+11.2% YoY-0.6% QoQ
|
+$78.8M |
$734.2M
+0.9% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
0.5%
+48.0% YoY+18.0% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
3.7%
+14.1% YoY-2.1% QoQ
|
+0.3% |
3.4%
+9.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
81.1%
+1.3% YoY-3.0% QoQ
|
+6.6% |
74.5%
-3.2% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
2.5%
+96.0% YoY+35.8% QoQ
|
+1.7 |
0.8%
+5.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 2.7% in tier |
| Loan To Share |
83.6%
+6.3% YoY-0.1% QoQ
|
+1.0% |
82.7%
+0.1% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$24,959
+16.5% YoY+12.8% QoQ
|
$-4K |
$28,651
+2.5% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
32.5%
-6.5% YoY+0.2% QoQ
|
+8.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
78% |
| Indirect Auto % |
35.4%
-29.7% YoY-7.3% QoQ
|
+21.4% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 12.2% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)