BlastPoint's Credit Union Scorecard
FIRST CARE
Charter #22322 · VA
FIRST CARE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.15% below tier average
- - Efficiency ratio 52.62% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
- - Share Certificate Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,263
-1.9% YoY+0.2% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$6.0M
-3.8% YoY-1.8% QoQ
|
$-23.9M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$3.0M
-8.5% YoY-7.0% QoQ
|
$-12.8M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$5.0M
-1.9% YoY-1.3% QoQ
|
$-20.4M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
-1.5%
-469.3% YoY+84.1% QoQ
|
-2.2% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.2% in tier |
| NIM |
3.5%
-14.5% YoY-2.6% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
134.0%
+56.7% YoY+15.8% QoQ
|
+52.6% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 3.2% in tier |
| Delinquency Rate |
2.1%
+69.8% YoY-35.7% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
59.8%
-6.8% YoY-5.7% QoQ
|
-1.5% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$6,338
-2.7% YoY-3.7% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.9% in tier |
| CD Concentration |
44.4%
-3.2% YoY+0.2% QoQ
|
+20.0% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)