FIRST

Charter #68444 | AZ

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in AZ

FIRST has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.6% in tier
  • + Wallet Share Momentum: Top 4.8% in tier
  • + Net Interest Margin 0.32% above tier average
  • + Loan Growth Rate: Top 4.5% in tier
  • + AMR Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 11.2% in tier
  • - ROA 0.56% below tier average
  • - Efficiency ratio 3.62% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 8.0% in tier
  • - Net Charge-Off Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 44,593
+0.4% YoY0% QoQ
 -7.5K 52,114
-2.1% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 35th in tier
Assets $770.9M
+2.3% YoY+0.6% QoQ
 $-88.1M $859.0M
+0.0% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 Bottom 10.7% in tier
Loans $477.6M
+17.2% YoY+0.9% QoQ
 $-125.8M $603.4M
+1.0% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 Bottom 13.4% in tier
Deposits $672.5M
+5.8% YoY+0.5% QoQ
 $-61.6M $734.2M
+0.9% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 17.0% in tier
ROA 0.1%
-90.5% YoY+25.6% QoQ
 -0.6% 0.7%
+27.6% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 Bottom 12.5% in tier
NIM 3.7%
-1.9% YoY+1.8% QoQ
 +0.3% 3.4%
+9.6% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 69th in tier
Efficiency Ratio 78.1%
+25.6% YoY-1.3% QoQ
 +3.6% 74.5%
-3.2% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 58th in tier
Delinquency Rate 0.7%
-27.8% YoY+11.4% QoQ
 -0.1 0.8%
+5.0% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 51st in tier
Loan To Share 71.0%
+10.8% YoY+0.4% QoQ
 -11.6% 82.7%
+0.1% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 Bottom 20.5% in tier
AMR $25,792
+9.8% YoY+0.7% QoQ
 $-3K $28,651
+2.5% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 46th in tier
CD Concentration 24.9%
+20.2% YoY+5.1% QoQ
 +0.5% 24.4%
+4.2% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 52nd in tier
Indirect Auto % 43.5%
-4.3% YoY-0.1% QoQ
 +29.5% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 Top 6.8% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#44 of 1006 • Top 1.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.84%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#132 of 1006 • Top 4.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.84%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (1)

Indirect Auto Dependency

risk
#180 of 525 • Bottom 11.2% in tier

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

Why This Signature
Asset Growth (YoY): 2.26%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 43.46%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.39%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 112 peers in tier

Top Strengths (3 metrics)

6
Loan Growth Rate
growth
Value: 17.23%
Peer Avg: 4.84%
#6 of 112 Top 4.5% in 750M-1B tier
12
AMR Growth Rate
growth
Value: 9.84%
Peer Avg: 4.90%
#12 of 112 Top 9.8% in 750M-1B tier
15
First Mortgage Concentration (%)
balance_sheet
Value: 16.62%
Peer Avg: 33.64%
#15 of 112 Top 12.5% in 750M-1B tier

Top Weaknesses (7 metrics)

104
Indirect Auto Concentration (%)
balance_sheet
Value: 43.46%
Peer Avg: 16.60%
#104 of 112 Bottom 8.0% in 750M-1B tier
102
Net Charge-Off Rate
risk
Value: 1.35%
Peer Avg: 0.61%
#102 of 112 Bottom 9.8% in 750M-1B tier
100
Total Assets
balance_sheet
Value: $770.92M
Peer Avg: $859.01M
#100 of 112 Bottom 11.6% in 750M-1B tier
98
Return on Assets (ROA)
profitability
Value: 0.15%
Peer Avg: 0.71%
#98 of 112 Bottom 13.4% in 750M-1B tier
97
Total Loans
balance_sheet
Value: $477.61M
Peer Avg: $603.36M
#97 of 112 Bottom 14.3% in 750M-1B tier
93
Total Deposits
balance_sheet
Value: $672.55M
Peer Avg: $734.17M
#93 of 112 Bottom 17.9% in 750M-1B tier
89
Loan-to-Share Ratio
balance_sheet
Value: 71.02%
Peer Avg: 82.66%
#89 of 112 Bottom 21.4% in 750M-1B tier