FIRST U.S. COMMUNITY

Charter #68474 | CA

500M-750M (169 CUs) Community (281 CUs)
10 500M-750M in CA

FIRST U.S. COMMUNITY has 2 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 24.7% in tier
  • + Wallet Share Momentum: Top 35.8% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 4.8% in tier
  • - Deposit Outflow: Bottom 12.9% in tier
  • - Stagnation Risk: Bottom 13.6% in tier
  • - Membership Headwinds: Bottom 21.3% in tier
  • - Institutional Decline: Bottom 21.7% in tier
  • - Indirect Auto Dependency: Bottom 22.7% in tier
  • - Credit Quality Pressure: Bottom 22.8% in tier
  • - Efficiency Drag: Bottom 25.9% in tier
  • - ROA 0.05% below tier average
  • - Efficiency ratio 3.38% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 27,965
-1.7% YoY-0.3% QoQ
 -11.8K 39,752
-2.7% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 13.6% in tier
Assets $544.6M
+0.1% YoY+0.2% QoQ
 $-77.8M $622.4M
+0.3% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 19.5% in tier
Loans $345.9M
-1.6% YoY-1.5% QoQ
 $-90.0M $435.9M
-0.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 14.8% in tier
Deposits $480.4M
-0.7% YoY-0.0% QoQ
 $-57.6M $538.0M
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 23.1% in tier
ROA 0.6%
+219.8% YoY+2.8% QoQ
 -0.0% 0.7%
+33.9% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 50th in tier
NIM 2.9%
+14.3% YoY+2.8% QoQ
 -0.5% 3.4%
+8.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 15.4% in tier
Efficiency Ratio 81.5%
-4.8% YoY-1.5% QoQ
 +3.4% 78.1%
-3.4% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 67th in tier
Delinquency Rate 0.3%
+25.0% YoY+15.5% QoQ
 -0.5 0.8%
-4.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 14.8% in tier
Loan To Share 72.0%
-0.9% YoY-1.5% QoQ
 -9.0% 81.0%
-1.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 24.3% in tier
AMR $29,550
+0.7% YoY-0.4% QoQ
 +$3K $26,482
+2.6% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 73rd in tier
CD Concentration 29.2%
+2.3% YoY+0.2% QoQ
 +4.8% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 68th in tier
Indirect Auto % 27.6%
-9.9% YoY-4.2% QoQ
 +13.6% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Top 19.9% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#682 of 1006 • Top 24.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.68%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#986 of 1006 • Top 35.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.68%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (8)

Flatlined Growth

risk
#6 of 58 • Bottom 4.8% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $544.60M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Asset Growth (YoY): 0.08%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.61%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Deposit Outflow

decline
#77 of 114 • Bottom 12.9% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.69%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $544.60M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Stagnation Risk

risk
#225 of 550 • Bottom 13.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.61%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $29.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 29.18%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#352 of 550 • Bottom 21.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#172 of 256 • Bottom 21.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $544.60M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.60%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#366 of 525 • Bottom 22.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.08%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.61%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#565 of 736 • Bottom 22.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#458 of 521 • Bottom 25.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.47%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.42% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (2 metrics)

26
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Avg: 0.80%
#26 of 169 Top 14.8% in 500M-750M tier
31
Members Per Employee (MPE)
engagement
Value: 399.500
Peer Avg: 338.010
#31 of 169 Top 17.8% in 500M-750M tier

Top Weaknesses (12 metrics)

150
Fee Income Per Member
profitability
Value: $125.27
Peer Avg: $199.27
#150 of 169 Bottom 11.8% in 500M-750M tier
147
Deposit Growth Rate
growth
Value: -0.69%
Peer Avg: 5.25%
#147 of 169 Bottom 13.6% in 500M-750M tier
146
Total Members
engagement
Value: 27,965
Peer Avg: 39,752
#146 of 169 Bottom 14.2% in 500M-750M tier
144
Total Loans
balance_sheet
Value: $345.93M
Peer Avg: $435.95M
#144 of 169 Bottom 15.4% in 500M-750M tier
143
Net Interest Margin (NIM)
profitability
Value: 2.88%
Peer Avg: 3.43%
#143 of 169 Bottom 16.0% in 500M-750M tier
136
Total Assets
balance_sheet
Value: $544.60M
Peer Avg: $622.38M
#136 of 169 Bottom 20.1% in 500M-750M tier
135
Member Growth Rate
growth
Value: -1.75%
Peer Avg: 1.75%
#135 of 169 Bottom 20.7% in 500M-750M tier
134
Asset Growth Rate
growth
Value: 0.08%
Peer Avg: 4.33%
#134 of 169 Bottom 21.3% in 500M-750M tier
134
Loan Growth Rate
growth
Value: -1.60%
Peer Avg: 4.04%
#134 of 169 Bottom 21.3% in 500M-750M tier
131
Indirect Auto Concentration (%)
balance_sheet
Value: 27.61%
Peer Avg: 16.19%
#131 of 169 Bottom 23.1% in 500M-750M tier