BlastPoint's Credit Union Scorecard
FIRST NRV
Charter #2263 ยท VA
2596 CUs in <100M nationally
49 in VA
FIRST NRV has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 3.34% above tier (higher cost structure)
- - Delinquency rate 3.05% above tier average
- - Member decline: -4.9% YoY
- - First Mortgage Concentration (%): Bottom 6.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.8% in tier
- - Net Worth Ratio: Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,780
-4.9% YoY-1.0% QoQ
|
+154 |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$38.6M
-2.7% YoY+0.3% QoQ
|
+$8.7M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$23.2M
-8.1% YoY+1.5% QoQ
|
+$7.4M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$35.2M
-3.1% YoY+0.2% QoQ
|
+$9.7M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
71% |
| ROA |
0.3%
-51.0% YoY-974.5% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
4.1%
-8.3% YoY+6.9% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
84.7%
+8.5% YoY-7.1% QoQ
|
+3.3% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
4.6%
+482.3% YoY+93.3% QoQ
|
+3.1 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 6.8% in tier |
| Loan To Share |
65.9%
-5.1% YoY+1.2% QoQ
|
+4.7% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$21,003
-0.3% YoY+1.7% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
21.2%
-31.7% YoY-17.6% QoQ
|
-3.2% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
419
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,343
Peer Avg: $5,488
#419 of 2596
Top 16.1% in <100M tier
437
Average Member Relationship (AMR)
engagement
Value:
$21,003
Peer Avg: $14,627
#437 of 2596
Top 16.8% in <100M tier
Top Weaknesses (6 metrics)
2430
First Mortgage Concentration (%)
balance_sheet
Value:
53.03%
Peer Avg: 14.49%
#2430 of 2596
Bottom 6.4% in <100M tier
2421
Total Delinquency Rate (60+ days)
risk
Value:
4.56%
Peer Avg: 1.51%
#2421 of 2596
Bottom 6.8% in <100M tier
2416
Net Worth Ratio
risk
Value:
8.55%
Peer Avg: 16.43%
#2416 of 2596
Bottom 7.0% in <100M tier
2140
Member Growth Rate
growth
Value:
-4.86%
Peer Avg: 14.92%
#2140 of 2596
Bottom 17.6% in <100M tier
2096
Net Charge-Off Rate
risk
Value:
0.79%
Peer Avg: 0.57%
#2096 of 2596
Bottom 19.3% in <100M tier
2001
Asset Growth Rate
growth
Value:
-2.71%
Peer Avg: 1.82%
#2001 of 2596
Bottom 23.0% in <100M tier