BlastPoint's Credit Union Scorecard
FIRST
Charter #68444 · AZ
FIRST has 3 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 34.5% in tier
- + Net Interest Margin 0.37% above tier average
- + First Mortgage Concentration (%): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 35.1% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 2.99% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 7.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Arizona.
- Shares and deposits +3.0% year over year ($689M in shares and deposits).
- Membership: 44,684 members, +0.2% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.25%.
- Efficiency ratio 77.53% vs a 74.54% peer average.
- Loan-to-share ratio 75.11% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,684
+0.2% YoY+0.6% QoQ
|
-7.8K |
52,482
+1.3% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$811.6M
+5.9% YoY+3.3% QoQ
|
$-52.3M |
$863.9M
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$517.5M
+9.4% YoY+5.5% QoQ
|
$-90.3M |
$607.8M
+2.1% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$689.0M
+3.0% YoY+0.1% QoQ
|
$-50.9M |
$739.9M
+0.2% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.2%
+112.1% YoY+63.5% QoQ
|
-0.6% |
0.8%
+30.4% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.6% in tier |
| NIM |
3.9%
+6.9% YoY+4.8% QoQ
|
+0.4% |
3.5%
+6.2% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
77.5%
-2.1% YoY-1.9% QoQ
|
+3.0% |
74.5%
-1.4% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
0.5%
-13.6% YoY+20.2% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
75.1%
+6.2% YoY+5.4% QoQ
|
-7.5% |
82.6%
+1.9% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$27,000
+5.4% YoY+1.7% QoQ
|
$-2K |
$28,702
+0.4% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
24.6%
+3.7% YoY+0.9% QoQ
|
+0.0% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
42.6%
-2.0% YoY+0.7% QoQ
|
+29.0% | 13.6% | 21.3% | 7.7% | Bottom 6.3% 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)