BlastPoint's Credit Union Scorecard
FIRST ENTERTAINMENT
Charter #68373 · CA
FIRST ENTERTAINMENT has 1 strength but faces 8 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 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.3% in tier
- - Credit Quality Pressure: Bottom 33.4% in tier
- - Institutional Decline: Bottom 41.8% in tier
- - Shrinking Wallet Share: Bottom 83.2% in tier
- - Stagnation Risk: Bottom 87.6% in tier
- - Accelerating Exit Risk: Bottom 87.6% in tier
- - Membership Headwinds: Bottom 87.6% in tier
- - ROA 0.63% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
84,754
-2.4% YoY-0.4% QoQ
|
-11.3K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$2.1B
-1.5% YoY+3.3% QoQ
|
+$402.2M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
73% |
| Loans |
$1.4B
-4.5% YoY-0.6% QoQ
|
+$193.2M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$1.7B
-2.9% YoY+4.1% QoQ
|
+$248.2M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.1%
-18.4% YoY-81.5% QoQ
|
-0.6% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.9% in tier |
| NIM |
3.0%
+16.8% YoY+2.1% QoQ
|
-0.3% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
87.5%
+13.5% YoY+18.8% QoQ
|
+12.9% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate |
0.7%
+15.5% YoY-26.5% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
82.1%
-1.6% YoY-4.6% QoQ
|
-1.1% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$36,820
-1.2% YoY+2.3% QoQ
|
+$7K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 14.7% in tier |
| CD Concentration |
17.7%
-29.1% YoY+13.2% QoQ
|
-11.2% | 28.8% | 21.6% | 19.8% | Bottom 9.4% in tier |
| Indirect Auto % |
0.5%
-41.3% YoY-13.2% QoQ
|
-17.5% | 18.1% | 9.0% | 7.7% | 17% |
Signature Analysis
Strengths (0)
Concerns (7)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)