BlastPoint's Credit Union Scorecard

1ST UNITED

Charter #63958 · CA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

1ST UNITED has 5 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 69.1% in tier
+ Emerging Performer: Top 77.6% in tier
+ ROA 0.17% above tier average
+ Net Interest Margin 0.05% above tier average
+ Total Delinquency Rate (60+ days): Top 7.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 65.4% in tier
- Indirect Auto Dependency: Bottom 81.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	61,337 +2.2% YoY+0.6% QoQ	-36.1K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	16%
Assets	$1.2B +2.8% YoY+1.0% QoQ	$-476.6M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	26%
Loans	$817.2M -2.6% YoY-0.8% QoQ	$-417.2M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	16%
Deposits	$1.1B +2.1% YoY+1.0% QoQ	$-365.3M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +31.3% YoY-6.2% QoQ	+0.2%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	67%
NIM	3.3% +3.3% YoY-0.4% QoQ	+0.1%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	53%
Efficiency Ratio	73.5% -3.6% YoY+1.6% QoQ	-0.5%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	0.2% -25.9% YoY-0.8% QoQ	-0.7	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Bottom 7.0% in tier
Loan To Share	74.7% -4.6% YoY-1.8% QoQ	-10.1%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	21%
AMR	$31,159 -2.1% YoY-0.4% QoQ	+$2K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	66%
CD Concentration	32.7% +3.1% YoY+1.2% QoQ	+3.7%	29.0%	21.7%	19.8%	68%
Indirect Auto %	25.9% -7.5% YoY-4.2% QoQ	+7.6%	18.3%	9.2%	7.8%	69%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#171 of 247 • Top 69.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.17%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.85%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 25.93%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth

#60 of 77 • Top 77.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.85%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.17%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#52 of 79 • Bottom 65.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.10%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#160 of 196 • Bottom 81.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.84%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 25.93%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.17%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: -

#22 of 302 Top 7.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.29%

Peer Median: -

#64 of 302 Top 20.9% in 1B-3B tier

Top Weaknesses (6 metrics)

266

Loan Growth Rate

growth

Value: -2.63%

Peer Median: -

#266 of 302 Bottom 12.3% in 1B-3B tier

259

AMR Growth Rate

growth

Value: -2.10%

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

255

Total Members

engagement

Value: 61,337

Peer Median: -

#255 of 302 Bottom 15.9% in 1B-3B tier

253

Total Loans

balance_sheet

Value: $817.17M

Peer Median: -

#253 of 302 Bottom 16.6% in 1B-3B tier

239

Loan-to-Share Ratio

balance_sheet

Value: 74.69%

Peer Median: -

#239 of 302 Bottom 21.2% in 1B-3B tier

234

Deposit Growth Rate

growth

Value: 2.11%

Peer Median: -

#234 of 302 Bottom 22.8% in 1B-3B tier