BlastPoint's Credit Union Scorecard
FIRST CARE
Charter #22322 · VA
FIRST CARE has 1 strength but faces 5 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 2.48% below tier average
- - Efficiency ratio 43.12% above tier (higher cost structure)
- - Delinquency rate 1.43% above tier average
- - Member decline: -3.3% YoY
- - Share Certificate Concentration (%): Bottom 4.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,207
-3.3% YoY-4.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$5.7M
-5.8% YoY-3.8% QoQ
|
$-24.4M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$2.9M
-10.6% YoY-3.6% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$4.8M
-4.4% YoY-3.8% QoQ
|
$-20.9M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
-1.9%
-654.5% YoY+26.3% QoQ
|
-2.5% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.4% in tier |
| NIM |
3.7%
-10.1% YoY+4.3% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
125.7%
+44.9% YoY-6.2% QoQ
|
+43.1% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 3.3% in tier |
| Delinquency Rate |
3.0%
+69.5% YoY+39.2% QoQ
|
+1.4 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 13.1% in tier |
| Loan To Share |
59.9%
-6.4% YoY+0.2% QoQ
|
-0.7% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$6,383
-3.7% YoY+0.7% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.9% in tier |
| CD Concentration |
46.5%
-0.5% YoY+4.8% QoQ
|
+22.1% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 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)