BlastPoint's Credit Union Scorecard

1ST UNITED

Charter #63958 · CA

Mid-Market 1B-3B
304 CUs in 1B-3B nationally 40 in CA
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1ST UNITED has 6 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 25.3% in tier
  • + Credit Quality Leader: Top 26.6% in tier
  • + Emerging Performer: Top 84.5% in tier
  • + ROA 0.21% above tier average
  • + Net Interest Margin 0.08% above tier average
  • + Total Delinquency Rate (60+ days): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 20.1% in tier
  • - Shrinking Wallet Share: Bottom 22.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 60,965
+1.4% YoY+0.6% QoQ
 -37.7K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 14.5% in tier
Assets $1.2B
+2.7% YoY+0.9% QoQ
 $-484.9M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 25%
Loans $823.6M
-3.2% YoY-0.9% QoQ
 $-409.4M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 17%
Deposits $1.1B
+2.1% YoY+0.7% QoQ
 $-371.3M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 29%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.9%
+44.1% YoY-9.0% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 69%
NIM 3.3%
+5.0% YoY+0.7% QoQ
 +0.1% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 54%
Efficiency Ratio 72.4%
-5.1% YoY+2.5% QoQ
 -1.6% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 39%
Delinquency Rate 0.2%
-18.7% YoY+24.1% QoQ
 -0.6 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 6.6% in tier
Loan To Share 76.1%
-5.2% YoY-1.6% QoQ
 -9.1% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 23%
AMR $31,274
-1.6% YoY-0.6% QoQ
 +$2K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 69%
CD Concentration 32.3%
+0.2% YoY+4.5% QoQ
 +3.4% 29.0%
+0.7% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 67%
Indirect Auto % 27.1%
-6.5% YoY-0.6% QoQ
 +8.3% 18.8%
-3.0% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 70%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#184 of 246 • Top 25.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.37%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.91%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 27.06%
(Tier: 18.77%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Credit Quality Leader

growth
#26 of 95 • Top 26.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature
Delinquency Rate: 0.24%
(Tier: 0.83%, National: 1.23%)
better than tier avg
Delinquency Change (YoY): -0.05% points
(Tier: 0.07% points, National: 0.07% points)
better than tier avg
95 of 380 Mid-Market CUs have this signature | 457 nationally
→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Emerging Performer

growth
#61 of 72 • Top 84.5% 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: 0.91%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.37%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
72 of 380 Mid-Market CUs have this signature | 288 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#125 of 202 • Bottom 20.1% in tier

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

Why This Signature
Asset Growth (YoY): 2.66%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.06%
(Tier: 18.77%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.37%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#68 of 83 • Bottom 22.1% in tier

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

Why This Signature
AMR Growth (YoY): -1.61%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

21
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: -
#21 of 304 Top 6.6% in 1B-3B tier
69
Net Charge-Off Rate
risk
Value: 0.30%
Peer Avg: -
#69 of 304 Top 22.4% in 1B-3B tier

Top Weaknesses (5 metrics)

267
Loan Growth Rate
growth
Value: -3.24%
Peer Avg: -
#267 of 304 Bottom 12.5% in 1B-3B tier
260
Total Members
engagement
Value: 60,965
Peer Avg: -
#260 of 304 Bottom 14.8% in 1B-3B tier
253
Total Loans
balance_sheet
Value: $823.61M
Peer Avg: -
#253 of 304 Bottom 17.1% in 1B-3B tier
249
AMR Growth Rate
growth
Value: -1.61%
Peer Avg: -
#249 of 304 Bottom 18.4% in 1B-3B tier
233
Loan-to-Share Ratio
balance_sheet
Value: 76.05%
Peer Avg: -
#233 of 304 Bottom 23.7% in 1B-3B tier
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