BlastPoint's Credit Union Scorecard
FIRSTENERGY CHOICE
Charter #839 · PA
FIRSTENERGY CHOICE demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,599
-1.2% YoY+0.1% QoQ
|
+983 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$51.0M
-4.5% YoY-1.4% QoQ
|
+$20.8M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$13.4M
-8.6% YoY+2.4% QoQ
|
$-2.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$40.7M
-7.8% YoY-2.4% QoQ
|
+$15.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.8%
+225.0% YoY-2.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.3%
+19.9% YoY+2.7% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
75.5%
-17.8% YoY+1.5% QoQ
|
-7.0% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.2%
+220.1% YoY+70.4% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
32.9%
-0.8% YoY+4.9% QoQ
|
-27.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.4% in tier |
| AMR |
$15,021
-6.9% YoY-1.3% QoQ
|
+$239 |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
3.7%
-0.8% YoY-3.5% QoQ
|
-20.8% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 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)