BlastPoint's Credit Union Scorecard
1ST NORTHERN CALIFORNIA
Charter #68668 · CA
1ST NORTHERN CALIFORNIA has 7 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
- + Credit Quality Leader: Top 10.0% in tier
- + Organic Growth Engine: Top 23.9% in tier
- + Relationship Depth Leader: Top 62.5% in tier
- + Total Delinquency Rate (60+ days): Top 1.8% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
- + Share Certificate Concentration (%): Top 5.4% in tier
- + Loan Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 27.2% in tier
- - ROA 0.02% below tier average
- - Efficiency ratio 0.49% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 5.4% in tier
- - Total Loans: Bottom 6.2% in tier
- - Asset Growth Rate: Bottom 9.8% in tier
- - Loan-to-Share Ratio: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,325
+3.1% YoY+2.1% QoQ
|
-18.8K |
52,114
-2.1% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 11.6% in tier |
| Assets |
$800.0M
-2.9% YoY+1.4% QoQ
|
$-59.0M |
$859.0M
+0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$394.3M
+14.5% YoY+4.4% QoQ
|
$-209.0M |
$603.4M
+1.0% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.4% in tier |
| Deposits |
$693.5M
+2.8% YoY+1.0% QoQ
|
$-40.7M |
$734.2M
+0.9% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
0.7%
+50.1% YoY+1.4% QoQ
|
-0.0% |
0.7%
+27.6% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
2.7%
+19.1% YoY+0.5% QoQ
|
-0.7% |
3.4%
+9.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio |
75.0%
-7.8% YoY+1.1% QoQ
|
+0.5% |
74.5%
-3.2% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.1%
-23.8% YoY+61.0% QoQ
|
-0.8 |
0.8%
+5.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 1.8% in tier |
| Loan To Share |
56.9%
+11.4% YoY+3.4% QoQ
|
-25.8% |
82.7%
+0.1% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.9% in tier |
| AMR |
$32,642
+3.6% YoY+0.2% QoQ
|
+$4K |
$28,651
+2.5% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
12.7%
+4.8% YoY+4.3% QoQ
|
-11.7% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Bottom 14.0% in tier |
| Indirect Auto % |
36.3%
+5.4% YoY+2.0% QoQ
|
+22.3% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 11.3% in tier |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)