BlastPoint's Credit Union Scorecard
1ST UNITED
Charter #63958 · CA
1ST UNITED has 4 strengths but faces 5 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
- + Emerging Performer: Top 42.3% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.09% above tier average
- + Total Delinquency Rate (60+ days): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 77.4% in tier
- - Shrinking Wallet Share: Bottom 88.4% in tier
- - Efficiency ratio 1.70% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 7.5% in tier
- - Fee Income Per Member: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,429
+1.6% YoY+0.1% QoQ
|
-34.6K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$1.3B
+2.3% YoY+0.5% QoQ
|
$-466.8M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$805.3M
-4.0% YoY-1.5% QoQ
|
$-408.4M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$1.1B
+1.7% YoY+0.5% QoQ
|
$-366.3M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
0.8%
+49.8% YoY-9.9% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
3.4%
+4.3% YoY+3.6% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
76.3%
-2.0% YoY+3.8% QoQ
|
+1.7% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
0.1%
-44.0% YoY-40.4% QoQ
|
-0.6 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 4.2% in tier |
| Loan To Share |
73.3%
-5.6% YoY-1.9% QoQ
|
-9.9% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$31,005
-2.3% YoY-0.5% QoQ
|
+$1K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
30.9%
+0.1% YoY-5.7% QoQ
|
+2.0% | 28.8% | 21.6% | 19.8% | 60% |
| Indirect Auto % |
25.1%
-8.3% YoY-3.4% QoQ
|
+7.0% | 18.1% | 9.0% | 7.7% | 69% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)