BlastPoint's Credit Union Scorecard

FIRST U.S. COMMUNITY

Charter #68474 · CA

Community 500M-750M

169 CUs in 500M-750M nationally 10 in CA

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FIRST U.S. COMMUNITY has 1 strength but faces 9 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 71.1% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 4.8% 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	20%
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	23%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	50%
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	15%
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	67%
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	24%
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	73%
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	68%
Indirect Auto %	27.6% -9.9% YoY-4.2% QoQ	+13.6%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	80%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#242 of 340 • Top 71.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.30%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (7)

Flatlined Growth

risk

#6 of 58 • Bottom 4.8% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

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

Stagnation Risk

risk

#225 of 550 • Bottom 13.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.60%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.30%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

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

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: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -1.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.60%

(Tier: 3.65%, 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: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

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

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

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Avg: -

#26 of 169 Top 14.8% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 399.500

Peer Avg: -

#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: -

#150 of 169 Bottom 11.8% in 500M-750M tier

147

Deposit Growth Rate

growth

Value: -0.69%

Peer Avg: -

#147 of 169 Bottom 13.6% in 500M-750M tier

146

Total Members

engagement

Value: 27,965

Peer Avg: -

#146 of 169 Bottom 14.2% in 500M-750M tier

144

Total Loans

balance_sheet

Value: $345.93M

Peer Avg: -

#144 of 169 Bottom 15.4% in 500M-750M tier

143

Net Interest Margin (NIM)

profitability

Value: 2.88%

Peer Avg: -

#143 of 169 Bottom 16.0% in 500M-750M tier

136

Total Assets

balance_sheet

Value: $544.60M

Peer Avg: -

#136 of 169 Bottom 20.1% in 500M-750M tier

135

Member Growth Rate

growth

Value: -1.75%

Peer Avg: -

#135 of 169 Bottom 20.7% in 500M-750M tier

134

Asset Growth Rate

growth

Value: 0.08%

Peer Avg: -

#134 of 169 Bottom 21.3% in 500M-750M tier

134

Loan Growth Rate

growth

Value: -1.60%

Peer Avg: -

#134 of 169 Bottom 21.3% in 500M-750M tier

131

Indirect Auto Concentration (%)

balance_sheet

Value: 27.61%

Peer Avg: -

#131 of 169 Bottom 23.1% in 500M-750M tier