BlastPoint's Credit Union Scorecard
FIRST
Charter #68444 · AZ
FIRST has 4 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
- + Wallet Share Momentum: Top 27.3% 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
|
35% |
| 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
|
17% |
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| 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
|
69% |
| 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
|
58% |
| 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
|
51% |
| 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
|
20% |
| 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
|
46% |
| 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
|
52% |
| Indirect Auto % |
43.5%
-4.3% YoY-0.1% QoQ
|
+29.5% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
Top 6.9% 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)