BlastPoint's Credit Union Scorecard
FIRST U.S. COMMUNITY
Charter #68474 · CA
FIRST U.S. COMMUNITY has 1 strength but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 92.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.5% in tier
- - Stagnation Risk: Bottom 66.9% in tier
- - Indirect Auto Dependency: Bottom 70.1% in tier
- - Efficiency Drag: Bottom 75.2% in tier
- - Membership Headwinds: Bottom 75.2% in tier
- - Institutional Decline: Bottom 76.2% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 4.49% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,818
-1.5% YoY-0.5% QoQ
|
-10.8K |
38,575
-4.8% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 13.9% in tier |
| Assets |
$548.6M
+2.0% YoY+0.7% QoQ
|
$-73.1M |
$621.7M
+0.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$351.1M
-1.1% YoY+1.5% QoQ
|
$-78.8M |
$429.8M
-1.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$483.9M
+1.3% YoY+0.7% QoQ
|
$-54.8M |
$538.7M
+0.6% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
24% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+243.3% YoY-21.3% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
2.9%
+13.0% YoY+0.9% QoQ
|
-0.5% |
3.4%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
15% |
| Efficiency Ratio |
82.0%
-3.0% YoY+0.7% QoQ
|
+4.5% |
77.5%
-4.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.6%
+327.2% YoY+99.1% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
72.5%
-2.4% YoY+0.7% QoQ
|
-7.3% |
79.8%
-2.3% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$30,016
+1.8% YoY+1.6% QoQ
|
+$3K |
$26,849
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
29.1%
-0.0% YoY-0.3% QoQ
|
+4.7% | 24.4% | 21.7% | 19.8% | 68% |
| Indirect Auto % |
25.6%
-14.9% YoY-7.4% QoQ
|
+11.8% | 13.8% | 9.2% | 7.8% | 79% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)