BlastPoint's Credit Union Scorecard
FIRST CARE
Charter #22322 · VA
FIRST CARE faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 5.83% below tier average
- - Efficiency ratio 72.08% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Net Charge-Off Rate: Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,202
-3.9% YoY-0.4% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$5.8M
-5.6% YoY+1.0% QoQ
|
$-24.4M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$2.6M
-16.3% YoY-8.4% QoQ
|
$-12.6M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$5.0M
-3.3% YoY+2.8% QoQ
|
$-20.8M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
-5.7%
+1628.2% YoY+206.2% QoQ
|
-5.8% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.6% in tier |
| NIM |
2.7%
-22.1% YoY-27.3% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio |
162.7%
+57.0% YoY+29.5% QoQ
|
+72.1% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
0.7%
-44.0% YoY-75.2% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
53.3%
-13.5% YoY-11.0% QoQ
|
-5.2% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
42% |
| AMR |
$6,320
-4.5% YoY-1.0% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.6% in tier |
| CD Concentration |
34.6%
-21.9% YoY-25.7% QoQ
|
+10.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 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)