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 44.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.2% in tier
- - Efficiency Drag: Bottom 23.1% in tier
- - Credit Risk Growth: Bottom 56.4% in tier
- - Indirect Auto Dependency: Bottom 78.2% in tier
- - Membership Headwinds: Bottom 80.8% in tier
- - Stagnation Risk: Bottom 80.8% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 8.15% above tier (higher cost structure)
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in California.
- Shares and deposits +0.3% year over year ($482M in shares and deposits).
- Membership: 27,231 members, -2.9% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.32%.
- Efficiency ratio 84.71% vs a 76.56% peer average.
- Loan-to-share ratio 74.53% vs a 79.33% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,231
-2.9% YoY-1.2% QoQ
|
-10.7K |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 12.7% in tier |
| Assets |
$547.9M
+0.8% YoY-1.1% QoQ
|
$-74.5M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$359.1M
+2.3% YoY+2.2% QoQ
|
$-69.4M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
21% |
| Deposits |
$481.8M
+0.3% YoY-1.7% QoQ
|
$-57.9M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.3%
-46.2% YoY-220.2% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
3.1%
+10.6% YoY+1.5% QoQ
|
-0.4% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
84.7%
+2.5% YoY+0.1% QoQ
|
+8.2% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
0.9%
+252.2% YoY+29.7% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
74.5%
+2.0% YoY+4.0% QoQ
|
-4.8% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$30,883
+4.1% YoY+1.1% QoQ
|
+$4K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
28.7%
-1.5% YoY-0.1% QoQ
|
+4.1% | 24.6% | 22.2% | 20.0% | 66% |
| Indirect Auto % |
22.6%
-21.5% YoY-4.4% QoQ
|
+9.0% | 13.6% | 9.2% | 7.7% | 75% |
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)