Naruto was actually descent at the beginning.
I think the point where it started its downfall was the Naruto VS Sasuke fight at the waterfall.
I didn't think that was a bad way for things to go since Sousuke going off to join the dark side would've been a great launching point for a straight up antagonist. The problem is the fact that pretty much everybody introduced in that arc got reduced to squad filler status pretty quickly in favor of turning Sauceuke into some kind of cool/badass anti-hero that nobody could get over (and that ninjitsu in the Narutoverse basically amounted as Asian witchcraft that did whatever).
But yeah, Naruto's start was supposed to be about Naruto being social outcast loser finally getting his big break by swiping a secret skill, which quickly turned into a Harry Potter ripoff with the big difference being that we're following Ninja Ron Weasely instead of Ninja Harry Potter, which then got derailed into Ninja New Trilogy Star Wars, and so on....
Whereas Bleach started as Mahou Shojo Rukia getting pwnd and needing Ichigo to become Mahou Shonen Ichigo, wielding his big manly sword around to defeat the bad guys for great justice while learning that one of these monsters killed his mom and now he has a purpose beyond protecting his friends/random goofy strangers; then Rukia's brother shows up, pwns Ichigo, and kidnaps Rukia on the charge of breaking the rules; then Soul Society arc happens and Ichigo learns that just becoming a Mahou Shonen wasn't enough and he must become Mahou Shonen 2, then a whole bunch of shit goes down all at once, Ichigo successfully rescues princess Rukia from the tower and defeats her brother, Aizen shows up to become the series' big bad, and the rest of the series is spent trying to replicate all of that while cranking out hundreds of new characters based off of whenever the author felt like designing a new character.
Basically, Bleach had a better sense of direction in the beginning and only genre shifted once when things got real. Naruto's initial premise was burned through in one episode and kinda didn't really know what to do with itself afterwards.Then Bleach kept trying to replicate its previous success instead of moving on while Naruto still kept swiping from the latest hot new thing instead figuring out what the hell it should've been.