BlastPoint's Credit Union Scorecard

1ST UNITED

Charter #63958 · CA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 37 in CA

View Mid-Market leaderboard →

1ST UNITED has 2 strengths but faces 7 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

+ Emerging Performer: Top 55.2% in tier
+ Total Delinquency Rate (60+ days): Top 6.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 6.2% in tier
- Credit Quality Pressure: Bottom 44.1% in tier
- Indirect Auto Dependency: Bottom 71.8% in tier
- Shrinking Wallet Share: Bottom 82.5% in tier
- ROA 0.07% below tier average
- Efficiency ratio 4.14% above tier (higher cost structure)
- Fee Income Per Member: Bottom 8.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
Shares and deposits +2.5% year over year ($1.10B in shares and deposits).
Membership: 61,303 members, +1.1% vs a year ago.
Delinquency rate 0.25%.
Return on assets 0.75%.
Efficiency ratio 77.16% vs a 73.02% peer average.
Loan-to-share ratio 73.60% vs a 84.71% 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	61,303 +1.1% YoY-0.2% QoQ	-35.6K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	16%
Assets	$1.3B +2.8% YoY+0.4% QoQ	$-466.4M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	26%
Loans	$811.6M -2.4% YoY+0.8% QoQ	$-422.6M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	17%
Deposits	$1.1B +2.5% YoY+0.3% QoQ	$-360.6M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	30%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -25.0% YoY-2.6% QoQ	-0.1%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	47%
NIM	3.5% +4.6% YoY+0.6% QoQ	+0.0%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	51%
Efficiency Ratio	77.2% +9.3% YoY+1.1% QoQ	+4.1%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	67%
Delinquency Rate	0.2% +30.5% YoY+78.0% QoQ	-0.6	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Top 6.0% in tier
Loan To Share	73.6% -4.8% YoY+0.5% QoQ	-11.1%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	19%
AMR	$31,227 -0.7% YoY+0.7% QoQ	+$2K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	67%
CD Concentration	30.2% -2.6% YoY-2.3% QoQ	+1.1%	29.1%	22.2%	20.0%	56%
Indirect Auto %	24.4% -10.2% YoY-2.4% QoQ	+6.4%	18.1%	9.2%	7.7%	69%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#80 of 82 • Top 55.2% 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: 0.75%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 1.13%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#139 of 193 • Bottom 71.8% in tier

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

Why This Signature

Asset Growth (YoY): 2.82%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 24.44%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.13%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#164 of 215 • Bottom 44.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#66 of 69 • Bottom 82.5% in tier

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

Why This Signature

AMR Growth (YoY): -0.72%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Cost Spiral

risk

#8 of 8 • Bottom 6.2% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.54% points

(Tier: -1.92% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 70.62%

(Tier: 74.29%, National: 86.72%)

but better than tier avg

8 of 377 Mid-Market CUs have this signature | 106 nationally

↓ Shrinking -12 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.70%

#19 of 300 Top 6.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Median: 0.52%

#62 of 300 Top 20.3% in 1B-3B tier

Top Weaknesses (6 metrics)

276

Fee Income Per Member

profitability

Value: $118.88

Peer Median: $204.73

#276 of 300 Bottom 8.3% in 1B-3B tier

270

Loan Growth Rate

growth

Value: -2.36%

Peer Median: 5.71%

#270 of 300 Bottom 10.3% in 1B-3B tier

251

Total Members

engagement

Value: 61,303

Peer Median: 86,516

#251 of 300 Bottom 16.7% in 1B-3B tier

249

Total Loans

balance_sheet

Value: $811.63M

Peer Median: $1.14B

#249 of 300 Bottom 17.3% in 1B-3B tier

246

AMR Growth Rate

growth

Value: -0.72%

Peer Median: 3.19%

#246 of 300 Bottom 18.3% in 1B-3B tier

244

Loan-to-Share Ratio

balance_sheet

Value: 73.60%

Peer Median: 87.07%

#244 of 300 Bottom 19.0% in 1B-3B tier