1ST NORTHERN CALIFORNIA
Charter #68668 | CA
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
15 750M-1B in CA
1ST NORTHERN CALIFORNIA has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.6% in tier
- + Wallet Share Momentum: Top 22.8% in tier
- + Organic Growth Engine: Top 23.9% 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
|
Bottom 22.3% in tier |
| 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
|
30th in tier |
| 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
|
48th in tier |
| 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
|
44th in tier |
| 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
|
73rd in tier |
| 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%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 11.3% in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#294 of 1006 • Top 10.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.57%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.8K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#628 of 1006 • Top 22.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.57%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#438 of 603 • Top 23.9% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.11%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.69%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
36.26%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Concerns (1)
Indirect Auto Dependency
risk
#438 of 525 • Bottom 27.2% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-2.89%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
36.26%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
3.11%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
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)
Top Strengths (5 metrics)
3
Total Delinquency Rate (60+ days)
risk
Value:
0.06%
Peer Avg: 0.82%
#3 of 112
Top 1.8% in 750M-1B tier
5
Net Charge-Off Rate
risk
Value:
0.03%
Peer Avg: 0.61%
#5 of 112
Top 3.6% in 750M-1B tier
7
Share Certificate Concentration (%)
balance_sheet
Value:
12.74%
Peer Avg: 28.34%
#7 of 112
Top 5.4% in 750M-1B tier
10
Loan Growth Rate
growth
Value:
14.53%
Peer Avg: 4.84%
#10 of 112
Top 8.0% in 750M-1B tier
29
Member Growth Rate
growth
Value:
3.11%
Peer Avg: 1.14%
#29 of 112
Top 25.0% in 750M-1B tier
Top Weaknesses (9 metrics)
107
Fee Income Per Member
profitability
Value:
$71.97
Peer Avg: $204.75
#107 of 112
Bottom 5.4% in 750M-1B tier
106
Total Loans
balance_sheet
Value:
$394.32M
Peer Avg: $603.36M
#106 of 112
Bottom 6.2% in 750M-1B tier
102
Asset Growth Rate
growth
Value:
-2.89%
Peer Avg: 4.25%
#102 of 112
Bottom 9.8% in 750M-1B tier
102
Loan-to-Share Ratio
balance_sheet
Value:
56.86%
Peer Avg: 82.66%
#102 of 112
Bottom 9.8% in 750M-1B tier
101
First Mortgage Concentration (%)
balance_sheet
Value:
53.36%
Peer Avg: 33.64%
#101 of 112
Bottom 10.7% in 750M-1B tier
99
Indirect Auto Concentration (%)
balance_sheet
Value:
36.26%
Peer Avg: 16.60%
#99 of 112
Bottom 12.5% in 750M-1B tier
99
Total Members
engagement
Value:
33,325
Peer Avg: 52,114
#99 of 112
Bottom 12.5% in 750M-1B tier
97
Net Interest Margin (NIM)
profitability
Value:
2.66%
Peer Avg: 3.38%
#97 of 112
Bottom 14.3% in 750M-1B tier
87
Total Assets
balance_sheet
Value:
$800.03M
Peer Avg: $859.01M
#87 of 112
Bottom 23.2% in 750M-1B tier