BlastPoint's Credit Union Scorecard
FIRST CITY
Charter #68503 · CA
FIRST CITY has 3 strengths but faces 7 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 24.4% in tier
- + Organic Growth Engine: Top 24.4% in tier
- + Share Certificate Concentration (%): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 40.5% in tier
- - Flatlined Growth: Bottom 71.2% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 5.66% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 7.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.2% in tier
- - Total Loans: Bottom 9.9% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +0.9% year over year ($816M in shares and deposits).
- Membership: 58,155 members, +2.6% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 0.44%.
- Efficiency ratio 80.19% vs a 74.54% peer average.
- Loan-to-share ratio 56.99% vs a 82.60% 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 |
58,155
+2.6% YoY+0.6% QoQ
|
+5.7K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$948.5M
+1.8% YoY-0.4% QoQ
|
+$84.6M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$465.1M
+11.6% YoY+1.7% QoQ
|
$-142.7M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.0% in tier |
| Deposits |
$816.2M
+0.9% YoY-0.2% QoQ
|
+$76.3M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
0.4%
+10.6% YoY+6.7% QoQ
|
-0.4% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
3.3%
+9.1% YoY+2.0% QoQ
|
-0.2% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
80.2%
-1.6% YoY+2.1% QoQ
|
+5.7% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
0.6%
-4.2% YoY+4.7% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
57.0%
+10.6% YoY+2.0% QoQ
|
-25.6% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.3% in tier |
| AMR |
$22,032
+1.8% YoY-0.1% QoQ
|
$-7K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
17.6%
-0.5% YoY-5.8% QoQ
|
-6.9% | 24.6% | 22.2% | 20.0% | 26% |
| Indirect Auto % |
6.0%
-31.0% YoY-7.9% QoQ
|
-7.6% | 13.6% | 9.2% | 7.7% | 47% |
Signature Analysis
Strengths (2)
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.
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)