BlastPoint's Credit Union Scorecard
AMERICAN FIRST
Charter #68485 · CA
AMERICAN FIRST has 8 strengths but faces 4 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 1.6% in tier
- + Wallet Share Momentum: Top 1.6% in tier
- + Organic Growth Leader: Top 5.5% in tier
- + Organic Growth Engine: Top 5.5% in tier
- + Emerging Performer: Top 38.1% in tier
- + ROA 0.10% above tier average
- + Strong member growth: 13.2% YoY
- + Loan Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1.8% in tier
- - Liquidity Strain: Bottom 18.5% in tier
- - Credit Quality Pressure: Bottom 51.3% in tier
- - Total Members: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,550
+13.2% YoY+1.8% QoQ
|
-45.5K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 6.5% in tier |
| Assets |
$1.3B
+32.6% YoY+5.6% QoQ
|
$-409.5M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$1.1B
+42.1% YoY+6.6% QoQ
|
$-97.9M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$1.2B
+34.3% YoY+7.3% QoQ
|
$-309.9M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
0.8%
-774.8% YoY+102.3% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
2.8%
+11.7% YoY+15.5% QoQ
|
-0.6% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio |
67.5%
-28.1% YoY-9.9% QoQ
|
-7.1% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
0.1%
+31.9% YoY-20.0% QoQ
|
-0.6 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 2.9% in tier |
| Loan To Share |
96.6%
+5.8% YoY-0.7% QoQ
|
+13.4% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
84% |
| AMR |
$44,935
+22.0% YoY+5.0% QoQ
|
+$15K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 5.9% in tier |
| CD Concentration |
13.9%
+6.1% YoY+1.7% QoQ
|
-14.9% | 28.8% | 21.6% | 19.8% | Bottom 4.7% in tier |
| Indirect Auto % |
7.8%
-43.7% YoY-13.0% QoQ
|
-10.3% | 18.1% | 9.0% | 7.7% | 32% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)