BlastPoint's Credit Union Scorecard
FIRST ENTERTAINMENT
Charter #68373 · CA
FIRST ENTERTAINMENT has 1 strength but faces 14 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
- + Share Certificate Concentration (%): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24.8% in tier
- - Stagnation Risk: Bottom 25.0% in tier
- - Institutional Decline: Bottom 44.8% in tier
- - Membership Headwinds: Bottom 53.6% in tier
- - Accelerating Exit Risk: Bottom 55.6% in tier
- - Shrinking Wallet Share: Bottom 57.7% in tier
- - Capital Constraint: Bottom 83.3% in tier
- - ROA 0.22% below tier average
- - Delinquency rate 0.12% above tier average
- - Member decline: -2.3% YoY
- - Deposit Growth Rate: Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 6.6% in tier
- - First Mortgage Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
85,056
-2.3% YoY-0.2% QoQ
|
-12.4K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$2.1B
-2.4% YoY-0.2% QoQ
|
+$331.3M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$1.4B
-5.2% YoY-1.7% QoQ
|
+$181.5M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$1.6B
-4.5% YoY-0.7% QoQ
|
+$186.6M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.5%
+51.8% YoY+7.2% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.0%
+12.0% YoY+3.6% QoQ
|
-0.3% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
73.7%
-6.1% YoY-0.2% QoQ
|
-0.4% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.0%
+37.9% YoY+21.1% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
86.0%
-0.7% YoY-1.0% QoQ
|
+1.2% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$35,998
-2.5% YoY-1.0% QoQ
|
+$7K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 14.2% in tier |
| CD Concentration |
15.6%
-37.7% YoY+15.6% QoQ
|
-13.4% | 29.0% | 21.7% | 19.8% | Bottom 6.4% in tier |
| Indirect Auto % |
0.6%
-40.0% YoY-12.7% QoQ
|
-17.7% | 18.3% | 9.2% | 7.8% | 17% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)