BlastPoint's Credit Union Scorecard

FIRST AMERICAN

Charter #64412 · AZ

1069 CUs in 100M-500M nationally 8 in AZ

FIRST AMERICAN has 5 strengths but faces 17 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 77.0% in tier
+ ROA 0.68% above tier average
+ Net Interest Margin 0.75% above tier average
+ First Mortgage Concentration (%): Top 8.0% in tier
+ Share Certificate Concentration (%): Top 9.1% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 4.0% in tier
- Stagnation Risk: Bottom 7.0% in tier
- Institutional Decline: Bottom 16.7% in tier
- Indirect Auto Dependency: Bottom 23.4% in tier
- Margin Compression: Bottom 42.6% in tier
- Credit Quality Pressure: Bottom 54.5% in tier
- Cost Spiral: Bottom 75.6% in tier
- Member decline: -12.6% YoY
- Loan Growth Rate: Bottom 0.9% in tier
- Member Growth Rate: Bottom 2.0% in tier
- Indirect Auto Concentration (%): Bottom 2.5% in tier
- Average Member Relationship (AMR): Bottom 3.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- Deposit Growth Rate: Bottom 6.2% in tier
- Total Deposits: Bottom 7.3% in tier
- Total Assets: Bottom 8.4% in tier
- Total Loans: Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	11,925 -12.6% YoY-0.9% QoQ	-3.5K	15,437 -2.9% YoY	61,128 +6.4% YoY	33,374 +5.7% YoY	42%
Assets	$112.7M -0.8% YoY+4.4% QoQ	$-119.2M	$231.9M +1.3% YoY	$1.0B +13.9% YoY	$561.6M +9.7% YoY	Bottom 8.3% in tier
Loans	$57.3M -12.9% YoY-4.6% QoQ	$-90.0M	$147.3M -0.1% YoY	$668.7M +14.2% YoY	$397.0M +8.8% YoY	Bottom 8.8% in tier
Deposits	$96.2M -3.2% YoY+4.3% QoQ	$-104.6M	$200.8M +0.8% YoY	$919.7M +13.3% YoY	$477.3M +9.7% YoY	Bottom 7.2% in tier

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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	1.4% -12.4% YoY-14.1% QoQ	+0.7%	0.8% +18.2% YoY	0.7% +37.2% YoY	0.7% +15.9% YoY	Top 12.3% in tier
NIM	4.4% -1.4% YoY-2.3% QoQ	+0.8%	3.6% +6.7% YoY	4.0% +4.9% YoY	3.8% +5.1% YoY	Top 12.9% in tier
Efficiency Ratio	71.8% +9.8% YoY+1.8% QoQ	-5.2%	77.0% -3.1% YoY	75.5% -2.7% YoY	79.7% -3.3% YoY	30%
Delinquency Rate	0.4% +72.8% YoY-59.8% QoQ	-0.5	0.9% +4.2% YoY	1.0% +13.7% YoY	1.3% -2.1% YoY	26%
Loan To Share	59.6% -10.0% YoY-8.5% QoQ	-12.6%	72.2% -1.1% YoY	70.1% -3.4% YoY	67.4% -1.7% YoY	22%
AMR	$12,871 +6.3% YoY+1.7% QoQ	$-12K	$24,676 +3.4% YoY	$19,516 +4.9% YoY	$19,687 +2.0% YoY	Bottom 3.7% in tier
CD Concentration	8.9% +41.5% YoY+10.5% QoQ	-15.6%	24.4%	17.2%	19.8%	50%
Indirect Auto %	56.6% -8.8% YoY-3.0% QoQ	+42.8%	13.8%	22.5%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#395 of 513 • Top 77.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.28%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (7)

Membership Headwinds

decline

#23 of 554 • Bottom 4.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -12.57%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#40 of 554 • Bottom 7.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -12.57%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -12.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.43%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#41 of 240 • Bottom 16.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $112.66M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -12.57%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -12.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Indirect Auto Dependency

risk

#119 of 506 • Bottom 23.4% in tier

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

Why This Signature

Asset Growth (YoY): -0.81%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 56.56%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -12.57%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Margin Compression

decline

#53 of 123 • Bottom 42.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.44%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.64%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Credit Quality Pressure

risk

#385 of 705 • Bottom 54.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Cost Spiral

risk

#35 of 46 • Bottom 75.6% 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: 6.41% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.76%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 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 1069 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 6.99%

Peer Median: -

#87 of 1069 Top 8.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.85%

Peer Median: -

#98 of 1069 Top 9.1% in 100M-500M tier

132

Return on Assets (ROA)

profitability

Value: 1.44%

Peer Median: -

#132 of 1069 Top 12.3% in 100M-500M tier

138

Net Interest Margin (NIM)

profitability

Value: 4.36%

Peer Median: -

#138 of 1069 Top 12.8% in 100M-500M tier

212

Fee Income Per Member

profitability

Value: $229.17

Peer Median: -

#212 of 1069 Top 19.7% in 100M-500M tier

Top Weaknesses (12 metrics)

1060

Loan Growth Rate

growth

Value: -12.91%

Peer Median: -

#1060 of 1069 Bottom 0.9% in 100M-500M tier

1049

Member Growth Rate

growth

Value: -12.57%

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1043

Indirect Auto Concentration (%)

balance_sheet

Value: 56.56%

Peer Median: -

#1043 of 1069 Bottom 2.5% in 100M-500M tier

1029

Average Member Relationship (AMR)

engagement

Value: $12,871

Peer Median: -

#1029 of 1069 Bottom 3.8% in 100M-500M tier

1017

Loan-to-Member Ratio (LMR)

engagement

Value: $4,806

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

1004

Deposit Growth Rate

growth

Value: -3.22%

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

992

Total Deposits

balance_sheet

Value: $96.16M

Peer Median: -

#992 of 1069 Bottom 7.3% in 100M-500M tier

980

Total Assets

balance_sheet

Value: $112.66M

Peer Median: -

#980 of 1069 Bottom 8.4% in 100M-500M tier

975

Total Loans

balance_sheet

Value: $57.32M

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

944

Asset Growth Rate

growth

Value: -0.81%

Peer Median: -

#944 of 1069 Bottom 11.8% in 100M-500M tier