BlastPoint's Credit Union Scorecard
FIRST NRV
Charter #2263 · VA
FIRST NRV has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.92% above tier average
- - Member decline: -4.1% YoY
- - First Mortgage Concentration (%): Bottom 6.8% in tier
- - Net Worth Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,739
-4.1% YoY-1.5% QoQ
|
+123 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$38.8M
-2.1% YoY+0.4% QoQ
|
+$8.6M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$22.6M
-7.0% YoY-2.4% QoQ
|
+$6.9M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$35.2M
-2.9% YoY+0.1% QoQ
|
+$9.5M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.7%
+23.1% YoY+117.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
4.3%
-3.6% YoY+3.8% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
78.4%
-1.8% YoY-7.4% QoQ
|
-4.1% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
3.5%
+200.4% YoY-23.8% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 10.7% in tier |
| Loan To Share |
64.2%
-4.3% YoY-2.5% QoQ
|
+3.6% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$21,125
-0.5% YoY+0.6% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
21.4%
-34.8% YoY+1.3% QoQ
|
-3.0% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)