BlastPoint's Credit Union Scorecard
FIRST AMERICAN
Charter #64412 · AZ
FIRST AMERICAN has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.38% above tier average
- + First Mortgage Concentration (%): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Member decline: -13.7% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,841
-13.7% YoY-0.7% QoQ
|
-3.3K |
15,145
-2.5% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$111.8M
-1.2% YoY-0.8% QoQ
|
$-120.0M |
$231.7M
+0.8% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.4% in tier |
| Loans |
$53.0M
-16.8% YoY-7.5% QoQ
|
$-91.2M |
$144.1M
+0.2% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.5% in tier |
| Deposits |
$94.8M
-3.5% YoY-1.4% QoQ
|
$-106.4M |
$201.1M
+0.4% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.9%
-56.7% YoY-38.9% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
4.0%
-7.4% YoY-7.9% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
77.6%
+12.7% YoY+8.1% QoQ
|
-0.4% |
78.0%
-1.7% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
0.4%
+181.9% YoY-18.3% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
55.9%
-13.8% YoY-6.2% QoQ
|
-14.5% |
70.4%
-0.4% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$12,479
+5.8% YoY-3.0% QoQ
|
$-12K |
$24,918
+2.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.7% in tier |
| CD Concentration |
10.1%
+48.1% YoY+14.1% QoQ
|
-14.2% | 24.3% | 17.3% | 19.8% | 50% |
| Indirect Auto % |
56.9%
-7.2% YoY+0.6% QoQ
|
+43.1% | 13.8% | 21.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)