BlastPoint's Credit Union Scorecard

1ST NORTHERN CALIFORNIA

Charter #68668 · CA

Community 750M-1B

111 CUs in 750M-1B nationally 12 in CA

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1ST NORTHERN CALIFORNIA has 5 strengths but faces 8 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

+ Relationship Depth Leader: Top 13.2% in tier
+ Wallet Share Momentum: Top 13.2% in tier
+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ Share Certificate Concentration (%): Top 4.5% in tier
+ Net Charge-Off Rate: Top 8.1% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 16.7% in tier
- Indirect Auto Dependency: Bottom 42.1% in tier
- Membership Headwinds: Bottom 69.1% in tier
- Stagnation Risk: Bottom 69.1% in tier
- ROA 0.29% below tier average
- Efficiency ratio 4.82% above tier (higher cost structure)
- Fee Income Per Member: Bottom 3.6% in tier
- Total Loans: Bottom 7.2% 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 +4.9% year over year ($720M in shares and deposits).
Membership: 32,174 members, -1.4% vs a year ago.
Delinquency rate 0.03%.
Return on assets 0.55%.
Efficiency ratio 79.36% vs a 74.54% peer average.
Loan-to-share ratio 58.29% 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	32,174 -1.4% YoY-0.6% QoQ	-20.3K	52,482 +1.3% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 10.8% in tier
Assets	$829.0M +5.1% YoY+0.4% QoQ	$-34.9M	$863.9M +0.5% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	39%
Loans	$419.7M +11.2% YoY+4.0% QoQ	$-188.0M	$607.8M +2.1% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 6.3% in tier
Deposits	$720.1M +4.9% YoY+0.2% QoQ	$-19.8M	$739.9M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	41%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -18.9% YoY+6.9% QoQ	-0.3%	0.8% +30.4% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	36%
NIM	2.7% +2.3% YoY+1.4% QoQ	-0.8%	3.5% +6.2% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 7.2% in tier
Efficiency Ratio	79.4% +7.0% YoY-0.3% QoQ	+4.8%	74.5% -1.4% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	60%
Delinquency Rate	0.0%	-0.8	0.8% +1.0% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Top 0.1% in tier
Loan To Share	58.3% +6.0% YoY+3.7% QoQ	-24.3%	82.6% +1.9% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 8.1% in tier
AMR	$35,428 +8.7% YoY+2.2% QoQ	+$7K	$28,702 +0.4% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	81%
CD Concentration	12.3% +1.0% YoY-2.0% QoQ	-12.2%	24.6%	22.2%	20.0%	Bottom 11.7% in tier
Indirect Auto %	34.9% -1.9% YoY-0.8% QoQ	+21.2%	13.6%	9.2%	7.7%	Bottom 12.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#54 of 262 • Top 13.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.71%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 276 Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#170 of 483 • Top 13.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.71%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#101 of 476 • Bottom 42.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.10%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 34.85%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Membership Headwinds

decline

#399 of 549 • Bottom 69.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Cost Spiral

risk

#88 of 95 • Bottom 16.7% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.19% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 74.17%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 276 Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Stagnation Risk

risk

#542 of 549 • Bottom 69.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 11.17%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.03%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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 111 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: 0.60%

#1 of 111 Top 0.1% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 12.33%

Peer Median: 27.05%

#6 of 111 Top 4.5% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.47%

#10 of 111 Top 8.1% in 750M-1B tier

AMR Growth Rate

growth

Value: 8.71%

Peer Median: 4.04%

#17 of 111 Top 14.4% in 750M-1B tier

Loan Growth Rate

growth

Value: 11.17%

Peer Median: 3.68%

#21 of 111 Top 18.0% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $35,428

Peer Median: $26,161

#21 of 111 Top 18.0% in 750M-1B tier

Top Weaknesses (7 metrics)

108

Fee Income Per Member

profitability

Value: $65.20

Peer Median: $197.29

#108 of 111 Bottom 3.6% in 750M-1B tier

104

Total Loans

balance_sheet

Value: $419.74M

Peer Median: $626.83M

#104 of 111 Bottom 7.2% in 750M-1B tier

103

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: 3.51%

#103 of 111 Bottom 8.1% in 750M-1B tier

103

First Mortgage Concentration (%)

balance_sheet

Value: 55.47%

Peer Median: 33.51%

#103 of 111 Bottom 8.1% in 750M-1B tier

102

Loan-to-Share Ratio

balance_sheet

Value: 58.29%

Peer Median: 84.77%

#102 of 111 Bottom 9.0% in 750M-1B tier

Total Members

engagement

Value: 32,174

Peer Median: 52,842

#99 of 111 Bottom 11.7% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 34.85%

Peer Median: 14.99%

#97 of 111 Bottom 13.5% in 750M-1B tier