BlastPoint's Credit Union Scorecard
AMERICAN FIRST
Charter #68485 · CA
AMERICAN FIRST has 15 strengths but faces 5 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
- + Organic Growth Leader: Top 6.4% in tier
- + Relationship Depth Leader: Top 10.9% in tier
- + Wallet Share Momentum: Top 13.9% in tier
- + Organic Growth Engine: Top 32.5% in tier
- + Strong member growth: 14.4% YoY
- + Loan Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Member Growth Rate: Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + AMR Growth Rate: Top 4.6% in tier
- + First Mortgage Concentration (%): Top 5.3% in tier
- + Share Certificate Concentration (%): Top 5.3% in tier
- + Average Member Relationship (AMR): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.8% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 0.89% above tier (higher cost structure)
- - Total Members: Bottom 6.0% in tier
- - Net Interest Margin (NIM): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,654
+14.4% YoY+2.9% QoQ
|
-47.8K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 5.6% in tier |
| Assets |
$1.2B
+23.9% YoY+8.2% QoQ
|
$-482.5M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$1.0B
+33.6% YoY+9.7% QoQ
|
$-187.3M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$1.1B
+24.6% YoY+6.7% QoQ
|
$-382.1M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.4%
+108.7% YoY+35.3% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
2.4%
+3.5% YoY-1.4% QoQ
|
-0.9% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
75.0%
-10.2% YoY-7.2% QoQ
|
+0.9% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.1%
-63.2% YoY-36.4% QoQ
|
-0.7 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.6% in tier |
| Loan To Share |
97.2%
+7.3% YoY+2.8% QoQ
|
+12.4% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$42,783
+12.7% YoY+5.0% QoQ
|
+$13K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 6.6% in tier |
| CD Concentration |
13.7%
+4.1% YoY+17.6% QoQ
|
-15.3% | 29.0% | 21.7% | 19.8% | Bottom 5.1% in tier |
| Indirect Auto % |
9.0%
-38.8% YoY-13.2% QoQ
|
-9.3% | 18.3% | 9.2% | 7.8% | 34% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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 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)