FIRST ENTERTAINMENT

Charter #68373 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

FIRST ENTERTAINMENT has 1 strength but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Share Certificate Concentration (%): Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Accelerating Exit Risk: Bottom 11.4% in tier
  • - Shrinking Wallet Share: Bottom 13.5% in tier
  • - Institutional Decline: Bottom 13.7% in tier
  • - Stagnation Risk: Bottom 16.7% in tier
  • - Membership Headwinds: Bottom 18.0% in tier
  • - Capital Constraint: Bottom 21.2% in tier
  • - ROA 0.27% below tier average
  • - Delinquency rate 0.01% above tier average
  • - Member decline: -2.5% YoY
  • - Deposit Growth Rate: Bottom 3.6% in tier
  • - Asset Growth Rate: Bottom 7.6% in tier
  • - Loan Growth Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 85,219
-2.5% YoY-0.6% QoQ
 -13.5K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 46th in tier
Assets $2.1B
-3.6% YoY-3.0% QoQ
 +$339.3M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $1.4B
-5.2% YoY-0.5% QoQ
 +$206.8M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $1.7B
-5.1% YoY-3.9% QoQ
 +$203.4M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 68th in tier
ROA 0.4%
+21.7% YoY+4.9% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 24.0% in tier
NIM 2.9%
+9.3% YoY+6.4% QoQ
 -0.4% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 21.7% in tier
Efficiency Ratio 73.8%
-6.2% YoY+1.9% QoQ
 -0.1% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 45th in tier
Delinquency Rate 0.8%
-5.9% YoY+1.7% QoQ
 +0.0 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 65th in tier
Loan To Share 86.9%
-0.1% YoY+3.6% QoQ
 +1.7% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 48th in tier
AMR $36,349
-2.7% YoY-1.7% QoQ
 +$7K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 13.2% in tier
CD Concentration 13.5%
-44.8% YoY-26.7% QoQ
 -15.5% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 5.0% in tier
Indirect Auto % 0.7%
-37.8% YoY-12.1% QoQ
 -18.1% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 16.9% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Accelerating Exit Risk

decline
#6 of 13 • Bottom 11.4% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -2.48%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -2.73%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY

Shrinking Wallet Share

decline
#42 of 83 • Bottom 13.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.73%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Institutional Decline

decline
#15 of 31 • Bottom 13.7% in tier

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

Why This Signature
Total Assets: $2.06B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -2.48%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.19%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY

Stagnation Risk

risk
#41 of 85 • Bottom 16.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.43%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.48%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $36.3K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 13.50%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Membership Headwinds

decline
#44 of 85 • Bottom 18.0% in tier

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

Why This Signature
Member Growth (YoY): -2.48%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Capital Constraint

risk
#8 of 9 • Bottom 21.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 86.86%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -5.12%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 10.23%
(Tier: 11.30%, National: 14.51%)
worse than tier avg
9 of 380 Mid-Market CUs have this signature | 29 nationally
↓ Shrinking -9 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (4 metrics)

17
Share Certificate Concentration (%)
balance_sheet
Value: 13.50%
Peer Avg: 28.53%
#17 of 304 Top 5.3% in 1B-3B tier
40
Average Member Relationship (AMR)
engagement
Value: $36,349
Peer Avg: $29,172
#40 of 304 Top 12.8% in 1B-3B tier
42
Loan-to-Member Ratio (LMR)
engagement
Value: $16,897
Peer Avg: $13,213
#42 of 304 Top 13.5% in 1B-3B tier
58
Indirect Auto Concentration (%)
balance_sheet
Value: 0.72%
Peer Avg: 18.32%
#58 of 304 Top 18.8% in 1B-3B tier

Top Weaknesses (8 metrics)

294
Deposit Growth Rate
growth
Value: -5.12%
Peer Avg: 5.58%
#294 of 304 Bottom 3.6% in 1B-3B tier
282
Asset Growth Rate
growth
Value: -3.56%
Peer Avg: 4.83%
#282 of 304 Bottom 7.6% in 1B-3B tier
279
Loan Growth Rate
growth
Value: -5.19%
Peer Avg: 5.27%
#279 of 304 Bottom 8.6% in 1B-3B tier
273
First Mortgage Concentration (%)
balance_sheet
Value: 53.77%
Peer Avg: 34.01%
#273 of 304 Bottom 10.5% in 1B-3B tier
272
AMR Growth Rate
growth
Value: -2.73%
Peer Avg: 3.29%
#272 of 304 Bottom 10.9% in 1B-3B tier
262
Member Growth Rate
growth
Value: -2.48%
Peer Avg: 2.20%
#262 of 304 Bottom 14.1% in 1B-3B tier
238
Net Interest Margin (NIM)
profitability
Value: 2.85%
Peer Avg: 3.26%
#238 of 304 Bottom 22.0% in 1B-3B tier
231
Return on Assets (ROA)
profitability
Value: 0.43%
Peer Avg: 0.70%
#231 of 304 Bottom 24.3% in 1B-3B tier