BlastPoint's Credit Union Scorecard

AMERICAN FIRST

Charter #68485 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

AMERICAN FIRST has 15 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 2.5% in tier
+ Organic Growth Engine: Top 15.5% in tier
+ Credit Quality Leader: Top 25.5% in tier
+ Relationship Depth Leader: Top 28.8% in tier
+ Wallet Share Momentum: Top 60.9% in tier
+ Strong member growth: 11.1% YoY
+ Deposit Growth Rate: Top 2.3% in tier
+ Share Certificate Concentration (%): Top 3.3% in tier
+ Asset Growth Rate: Top 3.6% in tier
+ Member Growth Rate: Top 3.9% in tier
+ Loan Growth Rate: Top 4.6% in tier
+ Loan-to-Member Ratio (LMR): Top 4.9% in tier
+ Total Delinquency Rate (60+ days): Top 6.2% in tier
+ First Mortgage Concentration (%): Top 6.2% in tier
+ Average Member Relationship (AMR): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.9% in tier
- Liquidity Strain: Bottom 11.6% in tier
- Credit Quality Pressure: Bottom 20.4% in tier
- Efficiency Drag: Bottom 23.4% in tier
- ROA 0.41% below tier average
- Efficiency ratio 6.82% above tier (higher cost structure)
- Total Members: Bottom 4.3% in tier
- Net Interest Margin (NIM): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	48,235 +11.1% YoY+3.2% QoQ	-50.4K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 3.9% in tier
Assets	$1.1B +15.2% YoY+8.1% QoQ	$-573.2M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	17%
Loans	$955.0M +19.3% YoY+12.5% QoQ	$-278.1M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	34%
Deposits	$1.0B +18.3% YoY+8.8% QoQ	$-444.3M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	20%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +23.2% YoY+219.6% QoQ	-0.4%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 14.5% in tier
NIM	2.4% +0.5% YoY-1.5% QoQ	-0.8%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 7.2% in tier
Efficiency Ratio	80.8% -3.7% YoY-8.2% QoQ	+6.8%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	78%
Delinquency Rate	0.2% +33.0% YoY-25.8% QoQ	-0.6	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 6.2% in tier
Loan To Share	94.5% +0.8% YoY+3.4% QoQ	+9.4%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	73%
AMR	$40,738 +6.9% YoY+7.1% QoQ	+$12K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 8.6% in tier
CD Concentration	11.7% -7.5% YoY-1.8% QoQ	-17.3%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	Bottom 3.2% in tier
Indirect Auto %	10.3% -31.0% YoY-15.8% QoQ	-8.4%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	36%

Signature Analysis

Strengths (5)

Organic Growth Leader

growth

#11 of 138 • Top 2.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 11.11%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 10.33%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth

#113 of 246 • Top 15.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 11.11%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.30%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 10.33%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Credit Quality Leader

growth

#25 of 95 • Top 25.5% in tier

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

Why This Signature

Delinquency Rate: 0.24%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

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

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Relationship Depth Leader

growth

#20 of 67 • Top 28.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.91%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.4K

(Tier: $3.1K, National: $2.0K)

but worse than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Wallet Share Momentum

growth

#71 of 116 • Top 60.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.91%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#45 of 161 • Bottom 7.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 19.29%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

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

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Liquidity Strain

risk

#62 of 183 • Bottom 11.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.55%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 19.29%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#157 of 217 • Bottom 20.4% 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: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk

#78 of 96 • Bottom 23.4% in tier

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

Why This Signature

Efficiency Ratio: 80.79%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 11.11%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (10 metrics)

Deposit Growth Rate

growth

Value: 18.32%

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 11.65%

Peer Avg: -

#11 of 304 Top 3.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 15.20%

Peer Avg: -

#12 of 304 Top 3.6% in 1B-3B tier

Member Growth Rate

growth

Value: 11.11%

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 19.29%

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,798

Peer Avg: -

#16 of 304 Top 4.9% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 14.42%

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $40,738

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.91%

Peer Avg: -

#58 of 304 Top 18.8% in 1B-3B tier

Top Weaknesses (7 metrics)

292

Total Members

engagement

Value: 48,235

Peer Avg: -

#292 of 304 Bottom 4.3% in 1B-3B tier

282

Net Interest Margin (NIM)

profitability

Value: 2.43%

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

260

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Avg: -

#260 of 304 Bottom 14.8% in 1B-3B tier

256

Net Worth Ratio

risk

Value: 9.25%

Peer Avg: -

#256 of 304 Bottom 16.1% in 1B-3B tier

252

Total Assets

balance_sheet

Value: $1.15B

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier

244

Total Deposits

balance_sheet

Value: $1.01B

Peer Avg: -

#244 of 304 Bottom 20.1% in 1B-3B tier

237

Efficiency Ratio

profitability

Value: 80.79%

Peer Avg: -

#237 of 304 Bottom 22.4% in 1B-3B tier