BlastPoint's Credit Union Scorecard
FIRST
Charter #68444 · AZ
FIRST has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 41.8% in tier
- + Net Interest Margin 0.29% above tier average
- + Loan Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.7% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 3.20% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,210
+0.4% YoY-0.9% QoQ
|
-7.9K |
52,084
-1.6% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$786.7M
+7.0% YoY+2.0% QoQ
|
$-77.2M |
$863.9M
+0.5% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$480.1M
+16.8% YoY+0.5% QoQ
|
$-125.7M |
$605.8M
+1.4% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.7% in tier |
| Deposits |
$680.9M
+3.9% YoY+1.2% QoQ
|
$-56.4M |
$737.3M
+0.1% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.2%
-82.3% YoY+23.9% QoQ
|
-0.6% |
0.7%
+39.1% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.8% in tier |
| NIM |
3.7%
-0.5% YoY-0.3% QoQ
|
+0.3% |
3.4%
+8.7% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
77.5%
+17.5% YoY-0.8% QoQ
|
+3.2% |
74.3%
-3.6% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.6%
-47.2% YoY-13.3% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
70.5%
+12.4% YoY-0.7% QoQ
|
-12.1% |
82.6%
+1.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$26,260
+8.5% YoY+1.8% QoQ
|
$-3K |
$28,873
+2.7% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
24.7%
+8.4% YoY-0.8% QoQ
|
+0.3% | 24.4% | 17.2% | 19.8% | 52% |
| Indirect Auto % |
42.4%
-4.6% YoY-2.4% QoQ
|
+28.6% | 13.8% | 22.5% | 7.8% | Top 7.1% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)