BlastPoint's Credit Union Scorecard

FIRST NRV

Charter #2263 · VA

<100M

2508 CUs in <100M nationally 48 in VA

FIRST NRV has 1 strength but faces 5 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.20% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.09% above tier average
- Member decline: -4.8% YoY
- Net Charge-Off Rate: Bottom 4.9% in tier
- First Mortgage Concentration (%): Bottom 6.1% in tier
- Net Worth Ratio: Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	2,724 -4.8% YoY-0.5% QoQ	+47	2,676 +1.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	64%
Assets	$39.3M -4.3% YoY+1.4% QoQ	+$9.1M	$30.2M +1.3% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	68%
Loans	$23.2M -3.1% YoY+2.4% QoQ	+$7.9M	$15.3M -2.0% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	76%
Deposits	$35.7M -5.4% YoY+1.4% QoQ	+$9.9M	$25.8M +0.7% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	70%

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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	0.3% -249.1% YoY-47.5% QoQ	+0.2%	0.1% -77.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	37%
NIM	3.7% -0.4% YoY-13.8% QoQ	-0.3%	4.0% +4.0% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	81.9% -14.3% YoY+4.5% QoQ	-8.7%	90.6% +6.5% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	1.6% -47.2% YoY-54.2% QoQ	+0.1	1.5% +3.8% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	76%
Loan To Share	64.9% +2.5% YoY+1.0% QoQ	+6.4%	58.5% -3.0% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	59%
AMR	$21,613 +0.2% YoY+2.3% QoQ	+$7K	$14,884 -1.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	83%
CD Concentration	19.6% -42.3% YoY-8.6% QoQ	-4.7%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

367

Loan-to-Member Ratio (LMR)

engagement

Value: $8,504

Peer Median: $4,923

#367 of 2508 Top 14.6% in <100M tier

421

Average Member Relationship (AMR)

engagement

Value: $21,613

Peer Median: $13,926

#421 of 2508 Top 16.7% in <100M tier

610

Total Loans

balance_sheet

Value: $23.16M

Peer Median: $9.48M

#610 of 2508 Top 24.3% in <100M tier

615

Fee Income Per Member

profitability

Value: $110.75

Peer Median: $60.42

#615 of 2508 Top 24.5% in <100M tier

Top Weaknesses (7 metrics)

2387

Net Charge-Off Rate

risk

Value: 2.50%

Peer Median: 0.07%

#2387 of 2508 Bottom 4.9% in <100M tier

2356

First Mortgage Concentration (%)

balance_sheet

Value: 55.43%

Peer Median: 3.66%

#2356 of 2508 Bottom 6.1% in <100M tier

2269

Net Worth Ratio

risk

Value: 8.90%

Peer Median: 14.28%

#2269 of 2508 Bottom 9.6% in <100M tier

2098

Deposit Growth Rate

growth

Value: -5.42%

Peer Median: 0.66%

#2098 of 2508 Bottom 16.4% in <100M tier

2089

Asset Growth Rate

growth

Value: -4.33%

Peer Median: 1.30%

#2089 of 2508 Bottom 16.7% in <100M tier

2060

Member Growth Rate

growth

Value: -4.76%

Peer Median: -1.37%

#2060 of 2508 Bottom 17.9% in <100M tier

1901

Total Delinquency Rate (60+ days)

risk

Value: 1.59%

Peer Median: 0.65%

#1901 of 2508 Bottom 24.2% in <100M tier