BlastPoint's Credit Union Scorecard
1ST NORTHERN CALIFORNIA
Charter #68668 · CA
1ST NORTHERN CALIFORNIA has 6 strengths but faces 9 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
- + Relationship Depth Leader: Top 50.9% in tier
- + Organic Growth Engine: Top 69.9% in tier
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.7% in tier
- + Loan Growth Rate: Top 4.3% in tier
- + Share Certificate Concentration (%): Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 45.7% in tier
- - Indirect Auto Dependency: Bottom 83.4% in tier
- - Credit Quality Pressure: Bottom 91.9% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 4.76% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 4.3% in tier
- - Total Loans: Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 7.7% in tier
- - Loan-to-Share Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,640
+4.0% YoY+0.9% QoQ
|
-18.4K |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 13.7% in tier |
| Assets |
$807.7M
-1.8% YoY+1.0% QoQ
|
$-56.2M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$399.2M
+18.5% YoY+1.2% QoQ
|
$-206.6M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.1% in tier |
| Deposits |
$701.5M
+4.5% YoY+1.2% QoQ
|
$-35.8M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.6%
+16.2% YoY-15.6% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
2.7%
+15.8% YoY+0.3% QoQ
|
-0.7% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
79.1%
-1.5% YoY+5.5% QoQ
|
+4.8% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.1%
+111.2% YoY-7.7% QoQ
|
-0.8 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
56.9%
+13.4% YoY+0.1% QoQ
|
-25.7% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.5% in tier |
| AMR |
$32,719
+5.0% YoY+0.2% QoQ
|
+$4K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
12.6%
+1.8% YoY-0.9% QoQ
|
-11.8% | 24.4% | 21.7% | 19.8% | Bottom 13.2% in tier |
| Indirect Auto % |
36.0%
+7.9% YoY-0.7% QoQ
|
+22.2% | 13.8% | 9.2% | 7.8% | Top 11.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)