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BlastPoint's Credit Union Scorecard

FIRST AMERICAN

Charter #64412 · AZ

100M-500M
1024 CUs in 100M-500M nationally 8 in AZ

FIRST AMERICAN has 4 strengths but faces 8 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

  • + ROA 0.14% above tier average
  • + Net Interest Margin 0.26% above tier average
  • + First Mortgage Concentration (%): Top 8.1% in tier
  • + Share Certificate Concentration (%): Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Stagnation Risk: Bottom 50.0% in tier
  • - Institutional Decline: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Member decline: -4.8% YoY
  • - Loan Growth Rate: Bottom 0.3% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Arizona.
  • Shares and deposits +9.4% year over year ($103M in shares and deposits).
  • Membership: 11,717 members, -4.8% vs a year ago.
  • Delinquency rate 0.33%.
  • Return on assets 1.01%.
  • Efficiency ratio 75.94% vs a 76.73% peer average.
  • Loan-to-share ratio 50.22% vs a 71.54% 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 (AZ) National Avg Tier Percentile
Members 11,717
-4.8% YoY-1.0% QoQ
 -3.5K 15,168
-2.6% YoY
 62,580
+4.2% YoY
 34,678
+6.6% YoY
 42%
Assets $120.0M
+9.7% YoY+7.3% QoQ
 $-112.0M $232.0M
+0.7% YoY
 $1.1B
+8.8% YoY
 $593.1M
+10.2% YoY
 Bottom 13.1% in tier
Loans $51.7M
-17.5% YoY-2.4% QoQ
 $-94.6M $146.3M
+0.2% YoY
 $693.0M
+9.0% YoY
 $418.6M
+10.1% YoY
 Bottom 6.4% in tier
Deposits $103.0M
+9.4% YoY+8.6% QoQ
 $-97.8M $200.7M
+0.2% YoY
 $946.4M
+8.0% YoY
 $504.8M
+10.3% YoY
 Bottom 12.7% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.0%
-40.2% YoY+14.6% QoQ
 +0.1% 0.9%
+12.5% YoY
 0.9%
+15.7% YoY
 1.2%
+121.4% YoY
 65%
NIM 3.9%
-10.2% YoY-1.8% QoQ
 +0.3% 3.7%
+4.5% YoY
 4.0%
+1.6% YoY
 3.8%
+2.3% YoY
 67%
Efficiency Ratio 75.9%
+6.2% YoY-2.2% QoQ
 -0.8% 76.7%
-0.8% YoY
 75.7%
-0.5% YoY
 83.0%
-5.3% YoY
 45%
Delinquency Rate 0.3%
+1.4% YoY-8.0% QoQ
 -0.6 0.9%
+6.6% YoY
 0.9%
+18.9% YoY
 1.3%
+2.6% YoY
 21%
Loan To Share 50.2%
-24.6% YoY-10.2% QoQ
 -21.3% 71.5%
-0.3% YoY
 69.6%
-1.2% YoY
 66.4%
-1.4% YoY
 Bottom 11.8% in tier
AMR $13,199
+3.6% YoY+5.8% QoQ
 $-12K $25,107
+3.2% YoY
 $19,787
+3.1% YoY
 $20,028
-0.9% YoY
 Bottom 3.8% in tier
CD Concentration 9.1%
+17.3% YoY-9.7% QoQ
 -15.4% 24.6% 17.9% 20.0% 50%
Indirect Auto % 56.4%
-6.7% YoY-0.9% QoQ
 +42.8% 13.6% 21.3% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Indirect Auto Dependency

risk
#1 of 476 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 9.70%
(Tier: 4.62%, National: 3.30%)
but better than tier avg
Indirect Auto %: 56.39%
(Tier: 13.63%, National: 7.71%)
worse than tier avg
Member Growth (YoY): -4.84%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally
↓ Shrinking -57 CUs YoY | Rank improving

Stagnation Risk

risk
#97 of 549 • Bottom 50.0% 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): -4.84%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): -17.50%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
Delinquency Rate: 0.33%
(Tier: 0.87%, National: 1.26%)
but better than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline
#55 of 230 • Bottom 50.0% in tier

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

Why This Signature
Total Assets: $119.96M
(Tier: $336.17M, National: $593.11M)
worse than tier avg
Member Growth (YoY): -4.84%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): -17.50%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally
↓ Shrinking -49 CUs YoY | Rank improving

Membership Headwinds

decline
#135 of 549 • Bottom 50.0% in tier

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

Why This Signature
Member Growth (YoY): -4.84%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY | Rank worsening

Margin Compression

decline
#60 of 140 • Bottom 50.0% 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: 1.01%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
ROA (Prior Year): 1.69%
(Tier: 0.75%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.68% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally
→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk
#682 of 693 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.08% points)
but better than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (6 metrics)

84
First Mortgage Concentration (%)
balance_sheet
Value: 7.01%
Peer Median: 29.92%
#84 of 1024 Top 8.1% in 100M-500M tier
94
Share Certificate Concentration (%)
balance_sheet
Value: 9.12%
Peer Median: 23.39%
#94 of 1024 Top 9.1% in 100M-500M tier
112
Deposit Growth Rate
growth
Value: 9.37%
Peer Median: 3.58%
#112 of 1024 Top 10.8% in 100M-500M tier
113
Asset Growth Rate
growth
Value: 9.70%
Peer Median: 4.12%
#113 of 1024 Top 10.9% in 100M-500M tier
184
Fee Income Per Member
profitability
Value: $227.35
Peer Median: $159.88
#184 of 1024 Top 17.9% in 100M-500M tier
214
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Median: 0.71%
#214 of 1024 Top 20.8% in 100M-500M tier

Top Weaknesses (10 metrics)

1022
Loan Growth Rate
growth
Value: -17.50%
Peer Median: 3.02%
#1022 of 1024 Bottom 0.3% in 100M-500M tier
997
Loan-to-Member Ratio (LMR)
engagement
Value: $4,413
Peer Median: $9,434
#997 of 1024 Bottom 2.7% in 100M-500M tier
994
Indirect Auto Concentration (%)
balance_sheet
Value: 56.39%
Peer Median: 6.15%
#994 of 1024 Bottom 3.0% in 100M-500M tier
985
Average Member Relationship (AMR)
engagement
Value: $13,199
Peer Median: $23,006
#985 of 1024 Bottom 3.9% in 100M-500M tier
958
Total Loans
balance_sheet
Value: $51.70M
Peer Median: $124.04M
#958 of 1024 Bottom 6.5% in 100M-500M tier
916
Member Growth Rate
growth
Value: -4.84%
Peer Median: -0.03%
#916 of 1024 Bottom 10.6% in 100M-500M tier
903
Loan-to-Share Ratio
balance_sheet
Value: 50.22%
Peer Median: 73.07%
#903 of 1024 Bottom 11.9% in 100M-500M tier
894
Total Deposits
balance_sheet
Value: $102.96M
Peer Median: $170.77M
#894 of 1024 Bottom 12.8% in 100M-500M tier
890
Total Assets
balance_sheet
Value: $119.96M
Peer Median: $196.38M
#890 of 1024 Bottom 13.2% in 100M-500M tier
870
Net Charge-Off Rate
risk
Value: 0.80%
Peer Median: 0.34%
#870 of 1024 Bottom 15.1% in 100M-500M tier
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