BlastPoint's Credit Union Scorecard

FREEDOM FIRST

Charter #11111 · VA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 8 in VA

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FREEDOM FIRST has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Share Certificate Concentration (%): Top 6.3% in tier
+ Loan-to-Share Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 26.1% in tier
- Efficiency Drag: Bottom 27.0% in tier
- Credit Risk Growth: Bottom 94.5% in tier
- Credit Quality Pressure: Bottom 100.0% in tier
- ROA 0.05% below tier average
- Efficiency ratio 7.37% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	62,952 +0.4% YoY-0.0% QoQ	-34.5K	97,431 -2.4% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	18%
Assets	$1.2B +4.4% YoY+3.8% QoQ	$-502.0M	$1.7B +0.9% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	22%
Loans	$1.0B +5.0% YoY+2.7% QoQ	$-196.9M	$1.2B +0.5% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	40%
Deposits	$1.0B +5.4% YoY+2.4% QoQ	$-449.3M	$1.5B +0.9% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +12.8% YoY+9.2% QoQ	-0.0%	0.7% +20.9% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	49%
NIM	2.9% +10.5% YoY+0.2% QoQ	-0.4%	3.3% +9.2% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	81.4% -2.4% YoY-1.5% QoQ	+7.4%	74.1% -9.5% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	80%
Delinquency Rate	0.4% +0.3% YoY+13.1% QoQ	-0.5	0.9% +6.2% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	18%
Loan To Share	102.7% -0.4% YoY+0.3% QoQ	+17.9%	84.8% -0.8% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	Top 8.3% in tier
AMR	$32,525 +4.8% YoY+2.6% QoQ	+$3K	$29,428 +2.4% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	74%
CD Concentration	14.9% -4.2% YoY-0.3% QoQ	-14.1%	29.0%	18.3%	19.8%	Bottom 6.1% in tier
Indirect Auto %	13.4% -4.4% YoY-2.7% QoQ	-4.9%	18.3%	9.6%	7.8%	45%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Liquidity Strain

risk

#44 of 166 • Bottom 26.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.72%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 5.00%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Efficiency Drag

risk

#25 of 90 • Bottom 27.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.43%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Credit Risk Growth

risk

#155 of 164 • Bottom 94.5% in tier

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

Why This Signature

Loan Growth (YoY): 5.00%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk

#211 of 211 • Bottom 100.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

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 302 peers in tier

Top Strengths (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 14.94%

Peer Median: -

#20 of 302 Top 6.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.72%

Peer Median: -

#25 of 302 Top 7.9% in 1B-3B tier

Fee Income Per Member

profitability

Value: $283.15

Peer Median: -

#42 of 302 Top 13.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.19%

Peer Median: -

#44 of 302 Top 14.2% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,481

Peer Median: -

#48 of 302 Top 15.6% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: -

#57 of 302 Top 18.5% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.78%

Peer Median: -

#67 of 302 Top 21.9% in 1B-3B tier

Top Weaknesses (6 metrics)

255

Members Per Employee (MPE)

engagement

Value: 283.568

Peer Median: -

#255 of 302 Bottom 15.9% in 1B-3B tier

248

Total Members

engagement

Value: 62,952

Peer Median: -

#248 of 302 Bottom 18.2% in 1B-3B tier

243

Efficiency Ratio

profitability

Value: 81.43%

Peer Median: -

#243 of 302 Bottom 19.9% in 1B-3B tier

242

Total Deposits

balance_sheet

Value: $1.01B

Peer Median: -

#242 of 302 Bottom 20.2% in 1B-3B tier

234

Total Assets

balance_sheet

Value: $1.22B

Peer Median: -

#234 of 302 Bottom 22.8% in 1B-3B tier

233

Net Interest Margin (NIM)

profitability

Value: 2.89%

Peer Median: -

#233 of 302 Bottom 23.2% in 1B-3B tier