BlastPoint's Credit Union Scorecard
FIRST
Charter #68444 · AZ
FIRST has 2 strengths but faces 5 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
- + Net Interest Margin 0.25% above tier average
- + First Mortgage Concentration (%): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 63.9% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 3.51% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 6.0% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,401
+0.4% YoY+0.4% QoQ
|
-7.1K |
51,500
+0.7% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$785.8M
+2.6% YoY-0.1% QoQ
|
$-79.9M |
$865.6M
+0.9% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$490.6M
+9.6% YoY+2.2% QoQ
|
$-104.7M |
$595.3M
+1.6% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.5% in tier |
| Deposits |
$688.4M
+1.9% YoY+1.1% QoQ
|
$-53.8M |
$742.2M
+0.6% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.2%
-282.9% YoY-16.6% QoQ
|
-0.6% |
0.8%
+45.0% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.5% in tier |
| NIM |
3.7%
+3.6% YoY+0.5% QoQ
|
+0.3% |
3.5%
+6.1% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
79.0%
-1.9% YoY+1.9% QoQ
|
+3.5% |
75.5%
-3.4% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
59% |
| Delinquency Rate |
0.4%
-25.2% YoY-25.5% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
71.3%
+7.5% YoY+1.1% QoQ
|
-9.3% |
80.6%
+0.7% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$26,552
+4.5% YoY+1.1% QoQ
|
$-2K |
$28,908
+0.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
24.4%
+5.3% YoY-1.4% QoQ
|
+0.1% | 24.3% | 17.3% | 19.8% | 51% |
| Indirect Auto % |
42.3%
+0.1% YoY-0.2% QoQ
|
+28.5% | 13.8% | 21.9% | 7.7% | Bottom 6.7% in tier |
Signature Analysis
Strengths (0)
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)