BlastPoint's Credit Union Scorecard
FIRST CITY
Charter #68503 · CA
FIRST CITY has 3 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 49.6% in tier
- + Organic Growth Engine: Top 80.1% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 63.1% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 7.62% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 6.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,404
+2.6% YoY+0.7% QoQ
|
+5.3K |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$937.4M
+5.5% YoY+1.1% QoQ
|
+$73.5M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$445.1M
+7.3% YoY+0.9% QoQ
|
$-160.7M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.4% in tier |
| Deposits |
$805.2M
+4.1% YoY+1.0% QoQ
|
+$67.9M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.4%
-24.7% YoY+2.1% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
3.2%
+6.4% YoY+1.5% QoQ
|
-0.2% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
82.0%
+7.6% YoY+0.7% QoQ
|
+7.6% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.4%
-26.5% YoY+33.5% QoQ
|
-0.5 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
55.3%
+3.1% YoY-0.1% QoQ
|
-27.3% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.0% in tier |
| AMR |
$21,780
+2.6% YoY+0.3% QoQ
|
$-7K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
18.7%
-1.0% YoY+9.0% QoQ
|
-5.7% | 24.4% | 21.7% | 19.8% | 30% |
| Indirect Auto % |
7.2%
-28.6% YoY-5.6% QoQ
|
-6.6% | 13.8% | 9.2% | 7.8% | 48% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)