BlastPoint's Credit Union Scorecard

1ST NORTHERN CALIFORNIA

Charter #68668 · CA

Community 750M-1B

117 CUs in 750M-1B nationally 13 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 10.6% in tier
+ Wallet Share Momentum: Top 10.6% in tier
+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ Loan Growth Rate: Top 6.0% in tier
+ Share Certificate Concentration (%): Top 6.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 6.8% in tier
- Indirect Auto Dependency: Bottom 38.6% in tier
- Credit Quality Pressure: Bottom 52.6% in tier
- Membership Headwinds: Bottom 60.5% in tier
- Stagnation Risk: Bottom 60.5% in tier
- ROA 0.24% below tier average
- Efficiency ratio 4.09% above tier (higher cost structure)
- Fee Income Per Member: Bottom 3.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	32,353 -0.8% YoY-3.8% QoQ	-19.1K	51,500 +0.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 10.3% in tier
Assets	$825.4M +5.5% YoY+2.2% QoQ	$-40.2M	$865.6M +0.9% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	34%
Loans	$403.6M +15.1% YoY+1.1% QoQ	$-191.7M	$595.3M +1.6% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 6.0% in tier
Deposits	$718.3M +5.3% YoY+2.4% QoQ	$-23.8M	$742.2M +0.6% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	38%

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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	0.5% -15.6% YoY-11.3% QoQ	-0.2%	0.8% +45.0% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	42%
NIM	2.7% +5.5% YoY+0.1% QoQ	-0.8%	3.5% +6.1% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 7.7% in tier
Efficiency Ratio	79.6% +5.7% YoY+0.7% QoQ	+4.1%	75.5% -3.4% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.0% -36.9% QoQ	-0.6	0.7% -0.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	56.2% +9.3% YoY-1.3% QoQ	-24.4%	80.6% +0.7% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 8.5% in tier
AMR	$34,678 +9.5% YoY+6.0% QoQ	+$6K	$28,908 +0.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	80%
CD Concentration	12.6% +2.8% YoY-0.4% QoQ	-11.7%	24.3%	21.6%	19.8%	Bottom 13.2% in tier
Indirect Auto %	35.1% +1.7% YoY-2.4% QoQ	+21.3%	13.8%	9.0%	7.7%	Bottom 11.8% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#40 of 257 • Top 10.6% 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): 9.50%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#142 of 491 • Top 10.6% in tier

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

Why This Signature

AMR Growth (YoY): 9.50%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#99 of 504 • Bottom 38.6% in tier

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

Why This Signature

Asset Growth (YoY): 5.47%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 35.14%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.81%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#257 of 476 • Bottom 6.8% in tier

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

Why This Signature

Loan Growth (YoY): 15.09%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

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

but better than tier avg

710 nationally

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

Membership Headwinds

decline

#528 of 570 • Bottom 60.5% in tier

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

Why This Signature

Member Growth (YoY): -0.81%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#702 of 727 • Bottom 52.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

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

but better than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#570 of 570 • Bottom 60.5% 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): -0.81%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 15.09%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.03%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | 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 117 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: 0.56%

#1 of 117 Top 0.1% in 750M-1B tier

Loan Growth Rate

growth

Value: 15.09%

Peer Median: 4.33%

#8 of 117 Top 6.0% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 12.58%

Peer Median: 26.77%

#8 of 117 Top 6.0% in 750M-1B tier

AMR Growth Rate

growth

Value: 9.50%

Peer Median: 3.70%

#13 of 117 Top 10.3% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: 0.47%

#15 of 117 Top 12.0% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $34,678

Peer Median: $26,209

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

Top Weaknesses (7 metrics)

114

Fee Income Per Member

profitability

Value: $52.45

Peer Median: $187.56

#114 of 117 Bottom 3.4% in 750M-1B tier

110

Total Loans

balance_sheet

Value: $403.59M

Peer Median: $618.21M

#110 of 117 Bottom 6.8% in 750M-1B tier

108

Net Interest Margin (NIM)

profitability

Value: 2.67%

Peer Median: 3.47%

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

107

Loan-to-Share Ratio

balance_sheet

Value: 56.18%

Peer Median: 84.41%

#107 of 117 Bottom 9.4% in 750M-1B tier

106

First Mortgage Concentration (%)

balance_sheet

Value: 54.97%

Peer Median: 32.60%

#106 of 117 Bottom 10.3% in 750M-1B tier

105

Total Members

engagement

Value: 32,353

Peer Median: 51,712

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

102

Indirect Auto Concentration (%)

balance_sheet

Value: 35.14%

Peer Median: 13.79%

#102 of 117 Bottom 13.7% in 750M-1B tier