BlastPoint's Credit Union Scorecard

FREEDOM FIRST

Charter #11111 · VA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

FREEDOM FIRST has 4 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

+ Organic Growth Engine: Top 68.7% in tier
+ Organic Growth Leader: Top 68.7% in tier
+ Loan-to-Share Ratio: Top 4.2% in tier
+ Share Certificate Concentration (%): Top 4.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.5% in tier
- Efficiency Drag: Bottom 14.6% in tier
- Credit Quality Pressure: Bottom 37.1% in tier
- Credit Risk Growth: Bottom 40.5% in tier
- ROA 0.16% below tier average
- Efficiency ratio 8.96% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	62,937 +0.5% YoY-0.0% QoQ	-33.1K	96,048 -2.7% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	18%
Assets	$1.2B +5.7% YoY-0.0% QoQ	$-498.7M	$1.7B +0.4% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	24%
Loans	$1.0B +7.1% YoY+0.1% QoQ	$-174.9M	$1.2B +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	42%
Deposits	$998.4M +1.5% YoY-1.1% QoQ	$-467.1M	$1.5B +0.5% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	17%

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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% -17.0% YoY-12.6% QoQ	-0.2%	0.7% +27.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	40%
NIM	3.1% +10.3% YoY+6.3% QoQ	-0.3%	3.4% +6.2% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	29%
Efficiency Ratio	83.6% +2.3% YoY+2.7% QoQ	+9.0%	74.6% -3.0% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	0.4% +25.5% YoY-1.3% QoQ	-0.4	0.8% +6.9% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	26%
Loan To Share	104.0% +5.5% YoY+1.3% QoQ	+20.9%	83.2% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	Top 4.6% in tier
AMR	$32,370 +3.7% YoY-0.5% QoQ	+$3K	$29,652 +2.3% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	73%
CD Concentration	13.1% -6.8% YoY-12.3% QoQ	-15.7%	28.8%	18.0%	19.8%	Bottom 4.4% in tier
Indirect Auto %	14.2% +2.6% YoY+5.9% QoQ	-3.9%	18.1%	9.4%	7.7%	47%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#114 of 115 • Top 68.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.52%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.56%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 14.18%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#115 of 116 • Top 68.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.52%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 14.18%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#18 of 148 • Bottom 5.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 104.04%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.09%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Efficiency Drag

risk

#20 of 100 • Bottom 14.6% in tier

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

Why This Signature

Efficiency Ratio: 83.59%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Credit Risk Growth

risk

#108 of 183 • Bottom 40.5% in tier

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

Why This Signature

Loan Growth (YoY): 7.09%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#141 of 225 • Bottom 37.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

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 306 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 104.04%

Peer Median: 85.31%

#14 of 306 Top 4.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 13.11%

Peer Median: 27.93%

#16 of 306 Top 4.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: 0.51%

#34 of 306 Top 10.8% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,505

Peer Median: $12,733

#51 of 306 Top 16.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.69%

Peer Median: 33.05%

#68 of 306 Top 21.9% in 1B-3B tier

Fee Income Per Member

profitability

Value: $243.40

Peer Median: $191.54

#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (6 metrics)

269

Members Per Employee (MPE)

engagement

Value: 272.455

Peer Median: 345.077

#269 of 306 Bottom 12.4% in 1B-3B tier

258

Efficiency Ratio

profitability

Value: 83.59%

Peer Median: 75.16%

#258 of 306 Bottom 16.0% in 1B-3B tier

254

Total Deposits

balance_sheet

Value: $998.45M

Peer Median: $1.31B

#254 of 306 Bottom 17.3% in 1B-3B tier

251

Total Members

engagement

Value: 62,937

Peer Median: 85,918

#251 of 306 Bottom 18.3% in 1B-3B tier

240

Deposit Growth Rate

growth

Value: 1.46%

Peer Median: 4.44%

#240 of 306 Bottom 21.9% in 1B-3B tier

234

Total Assets

balance_sheet

Value: $1.22B

Peer Median: $1.51B

#234 of 306 Bottom 23.9% in 1B-3B tier