BlastPoint's Credit Union Scorecard

FIRST CITY

Charter #68503 · CA

Community 750M-1B

117 CUs in 750M-1B nationally 13 in CA

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FIRST CITY has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community 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 22.0% in tier
+ Organic Growth Engine: Top 22.0% in tier
+ Members Per Employee (MPE): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 15.0% in tier
- Credit Quality Pressure: Bottom 40.5% in tier
- ROA 0.35% below tier average
- Efficiency ratio 3.01% above tier (higher cost structure)
- Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
- Loan-to-Share Ratio: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	57,810 +2.9% YoY+0.7% QoQ	+6.3K	51,500 +0.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	66%
Assets	$952.4M +2.7% YoY+1.6% QoQ	+$86.8M	$865.6M +0.9% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	84%
Loans	$457.2M +10.7% YoY+2.7% QoQ	$-138.1M	$595.3M +1.6% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 10.3% in tier
Deposits	$818.2M +1.3% YoY+1.6% QoQ	+$76.0M	$742.2M +0.6% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	80%

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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	0.4% +44.6% YoY+16.8% QoQ	-0.4%	0.8% +45.0% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	24%
NIM	3.2% +9.3% YoY+2.9% QoQ	-0.2%	3.5% +6.1% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	78.5% -5.4% YoY-4.2% QoQ	+3.0%	75.5% -3.4% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.6% +14.7% YoY+31.0% QoQ	-0.1	0.7% -0.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	47%
Loan To Share	55.9% +9.2% YoY+1.1% QoQ	-24.7%	80.6% +0.7% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 7.7% in tier
AMR	$22,061 +1.6% YoY+1.3% QoQ	$-7K	$28,908 +0.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	22%
CD Concentration	18.7% +3.4% YoY-0.1% QoQ	-5.5%	24.3%	21.6%	19.8%	30%
Indirect Auto %	6.5% -30.6% YoY-8.6% QoQ	-7.3%	13.8%	9.0%	7.7%	47%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#164 of 371 • Top 22.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.87%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 6.54%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#286 of 352 • Top 22.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.87%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.41%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 6.54%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#210 of 476 • Bottom 15.0% in tier

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

Why This Signature

Loan Growth (YoY): 10.66%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#540 of 727 • Bottom 40.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 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 117 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 485.798

Peer Median: 328.468

#11 of 117 Top 8.5% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.74%

Peer Median: 26.77%

#18 of 117 Top 14.5% in 750M-1B tier

Total Assets

balance_sheet

Value: $952.45M

Peer Median: $858.87M

#19 of 117 Top 15.4% in 750M-1B tier

Net Worth Ratio

risk

Value: 13.35%

Peer Median: 10.69%

#21 of 117 Top 17.1% in 750M-1B tier

Loan Growth Rate

growth

Value: 10.66%

Peer Median: 4.33%

#22 of 117 Top 17.9% in 750M-1B tier

Total Deposits

balance_sheet

Value: $818.17M

Peer Median: $735.65M

#23 of 117 Top 18.8% in 750M-1B tier

Top Weaknesses (6 metrics)

109

Loan-to-Member Ratio (LMR)

engagement

Value: $7,908

Peer Median: $11,598

#109 of 117 Bottom 7.7% in 750M-1B tier

108

Loan-to-Share Ratio

balance_sheet

Value: 55.88%

Peer Median: 84.41%

#108 of 117 Bottom 8.5% in 750M-1B tier

105

Total Loans

balance_sheet

Value: $457.17M

Peer Median: $618.21M

#105 of 117 Bottom 11.1% in 750M-1B tier

Fee Income Per Member

profitability

Value: $127.98

Peer Median: $187.56

#96 of 117 Bottom 18.8% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $22,061

Peer Median: $26,209

#91 of 117 Bottom 23.1% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.41%

Peer Median: 0.63%

#89 of 117 Bottom 24.8% in 750M-1B tier