BlastPoint's Credit Union Scorecard
FIRST U.S. COMMUNITY
Charter #68474 · CA
FIRST U.S. COMMUNITY has 1 strength but faces 8 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 62.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.1% in tier
- - Institutional Decline: Bottom 17.9% in tier
- - Efficiency Drag: Bottom 28.6% in tier
- - Stagnation Risk: Bottom 78.3% in tier
- - Membership Headwinds: Bottom 78.3% in tier
- - Indirect Auto Dependency: Bottom 81.0% in tier
- - ROA 0.95% below tier average
- - Efficiency ratio 6.22% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,555
-2.6% YoY-0.9% QoQ
|
-10.5K |
38,079
-4.8% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 14.4% in tier |
| Assets |
$554.2M
+0.3% YoY+1.0% QoQ
|
$-65.5M |
$619.7M
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$351.3M
-0.9% YoY+0.1% QoQ
|
$-68.0M |
$419.3M
-1.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$490.1M
-0.3% YoY+1.3% QoQ
|
$-49.4M |
$539.5M
-0.1% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
-0.3%
-132.6% YoY-155.4% QoQ
|
-1.0% |
0.7%
+36.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.0% in tier |
| NIM |
3.1%
+10.8% YoY+5.1% QoQ
|
-0.4% |
3.5%
+4.5% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
84.6%
+2.6% YoY+3.2% QoQ
|
+6.2% |
78.4%
-3.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.7%
+182.8% YoY+18.1% QoQ
|
+0.0 |
0.7%
-0.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
71.7%
-0.5% YoY-1.2% QoQ
|
-6.0% |
77.7%
-1.2% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$30,535
+2.1% YoY+1.7% QoQ
|
+$4K |
$26,927
+3.1% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
28.7%
+1.1% YoY-1.4% QoQ
|
+4.4% | 24.3% | 21.6% | 19.8% | 67% |
| Indirect Auto % |
23.7%
-20.6% YoY-7.4% QoQ
|
+9.9% | 13.8% | 9.0% | 7.7% | 76% |
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.
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.
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.
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)