BlastPoint's Credit Union Scorecard
FIRST CARE
Charter #22322 · VA
FIRST CARE has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 16.36% above tier average
- + Fee Income Per Member: Top 1.4% in tier
- + Efficiency Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.9% YoY
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 1.6% in tier
- - Loan Growth Rate: Bottom 3.1% in tier
- - AMR Growth Rate: Bottom 5.3% in tier
- - Net Worth Ratio: Bottom 5.4% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -9.6% year over year ($4.6M in shares and deposits).
- Membership: 1,198 members, -4.9% vs a year ago.
- Delinquency rate 1.32%.
- Return on assets 17.85%.
- Efficiency ratio 52.83% vs a 88.77% peer average.
- Loan-to-share ratio 50.34% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,198
-4.9% YoY-0.3% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$5.0M
-17.1% YoY-13.1% QoQ
|
$-25.3M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$2.3M
-28.2% YoY-12.6% QoQ
|
$-13.1M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$4.6M
-9.6% YoY-7.3% QoQ
|
$-21.2M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
17.8%
-2333.7% YoY-413.8% QoQ
|
+16.4% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Top 0.5% in tier |
| NIM |
3.2%
-13.0% YoY+17.9% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
52.8%
-54.3% YoY-67.5% QoQ
|
-35.9% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
1.3%
-60.6% YoY+77.6% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
50.3%
-20.6% YoY-5.6% QoQ
|
-8.6% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$5,761
-12.5% YoY-8.8% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.8% in tier |
| CD Concentration |
35.3%
-20.4% YoY+2.0% QoQ
|
+10.7% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 7.7% | 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)