BlastPoint's Credit Union Scorecard
FIRST ENTERTAINMENT
Charter #68373 · CA
FIRST ENTERTAINMENT has 3 strengths but faces 7 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
- + Relationship Depth Leader: Top 49.7% in tier
- + Share Certificate Concentration (%): Top 6.0% in tier
- + Loan-to-Member Ratio (LMR): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.6% in tier
- - Stagnation Risk: Bottom 87.6% in tier
- - Membership Headwinds: Bottom 87.6% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 13.45% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - First Mortgage Concentration (%): Bottom 9.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +1.1% year over year ($1.74B in shares and deposits).
- Membership: 83,732 members, -2.4% vs a year ago.
- Delinquency rate 0.71%.
- Return on assets 0.11%.
- Efficiency ratio 86.46% vs a 73.02% peer average.
- Loan-to-share ratio 83.28% vs a 84.71% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,732
-2.4% YoY-1.2% QoQ
|
-13.1K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$2.1B
-0.4% YoY-0.3% QoQ
|
+$390.7M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$1.5B
+0.4% YoY+3.2% QoQ
|
+$218.3M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$1.7B
+1.1% YoY+1.8% QoQ
|
+$280.8M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.1%
-74.3% YoY+23.6% QoQ
|
-0.7% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.7% in tier |
| NIM |
3.0%
+10.7% YoY-1.7% QoQ
|
-0.5% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
86.5%
+19.4% YoY-1.2% QoQ
|
+13.4% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
0.7%
-14.1% YoY-5.0% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
83.3%
-0.7% YoY+1.4% QoQ
|
-1.4% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$38,177
+3.2% YoY+3.7% QoQ
|
+$9K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 11.7% in tier |
| CD Concentration |
15.5%
-15.7% YoY-12.2% QoQ
|
-13.6% | 29.1% | 22.2% | 20.0% | Bottom 5.9% in tier |
| Indirect Auto % |
0.5%
-45.4% YoY-17.9% QoQ
|
-17.6% | 18.1% | 9.2% | 7.7% | 16% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)