BlastPoint's Credit Union Scorecard
AMERICAN FIRST
Charter #68485 · CA
AMERICAN FIRST has 8 strengths but faces 2 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 2.2% in tier
- + Wallet Share Momentum: Top 2.2% in tier
- + Organic Growth Leader: Top 9.4% in tier
- + Organic Growth Engine: Top 9.4% in tier
- + Emerging Performer: Top 47.5% in tier
- + Strong member growth: 9.3% YoY
- + Asset Growth Rate: Top 1.3% in tier
- + Loan Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.5% in tier
- - Total Members: Bottom 8.3% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +27.2% year over year ($1.18B in shares and deposits).
- Membership: 51,105 members, +9.3% vs a year ago.
- Delinquency rate 0.16%.
- Return on assets 0.81%.
- Efficiency ratio 66.24% vs a 73.02% peer average.
- Loan-to-share ratio 98.55% vs a 84.71% 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 |
51,105
+9.3% YoY+1.1% QoQ
|
-45.8K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 8.0% in tier |
| Assets |
$1.4B
+29.2% YoY+4.5% QoQ
|
$-355.1M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$1.2B
+37.1% YoY+4.3% QoQ
|
$-70.2M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$1.2B
+27.2% YoY+2.2% QoQ
|
$-282.2M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.8%
+774.0% YoY-0.1% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
55% |
| NIM |
2.8%
+11.6% YoY-0.6% QoQ
|
-0.7% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio |
66.2%
-24.7% YoY-1.9% QoQ
|
-6.8% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
0.2%
-50.0% YoY+32.4% QoQ
|
-0.7 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 3.0% in tier |
| Loan To Share |
98.6%
+7.8% YoY+2.1% QoQ
|
+13.8% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$45,889
+20.7% YoY+2.1% QoQ
|
+$16K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 5.0% in tier |
| CD Concentration |
16.0%
+34.7% YoY+14.7% QoQ
|
-13.1% | 29.1% | 22.2% | 20.0% | Bottom 6.7% in tier |
| Indirect Auto % |
7.0%
-43.0% YoY-10.3% QoQ
|
-11.1% | 18.1% | 9.2% | 7.7% | 30% |
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)