BlastPoint's Credit Union Scorecard

FIRST CHOICE AMERICA COMMUNITY

Charter #3264 · WV

Community 500M-750M

169 CUs in 500M-750M nationally 2 in WV

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FIRST CHOICE AMERICA COMMUNITY has 7 strengths but faces 13 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 17.1% in tier
+ Wallet Share Momentum: Top 31.0% in tier
+ ROA 1.17% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 1.2% in tier
+ Net Worth Ratio: Top 1.8% in tier
+ Net Charge-Off Rate: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 0.9% in tier
- Margin Compression: Bottom 1.4% in tier
- Membership Headwinds: Bottom 7.0% in tier
- Institutional Decline: Bottom 9.5% in tier
- Liquidity Overhang: Bottom 13.5% in tier
- Credit Quality Pressure: Bottom 19.8% in tier
- Member decline: -4.9% YoY
- Loan-to-Share Ratio: Bottom 0.6% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- Total Loans: Bottom 1.2% in tier
- Fee Income Per Member: Bottom 1.8% in tier
- Member Growth Rate: Bottom 4.7% in tier
- First Mortgage Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	31,538 -4.9% YoY-0.8% QoQ	-8.2K	39,752 -2.7% YoY	5,095 +0.6% YoY	33,089 +6.1% YoY	21%
Assets	$679.5M +6.3% YoY+0.4% QoQ	+$57.1M	$622.4M +0.3% YoY	$68.6M +3.5% YoY	$547.7M +7.8% YoY	72%
Loans	$138.7M -1.6% YoY-0.4% QoQ	$-297.2M	$435.9M -0.4% YoY	$38.2M +0.9% YoY	$388.7M +8.6% YoY	Bottom 0.6% in tier
Deposits	$556.1M +5.4% YoY-0.1% QoQ	+$18.1M	$538.0M +1.3% YoY	$58.7M +3.0% YoY	$464.6M +9.3% YoY	62%

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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	1.8% -15.8% YoY+1.7% QoQ	+1.2%	0.7% +33.9% YoY	1.0% +49.4% YoY	0.7% +273.4% YoY	Top 2.4% in tier
NIM	3.0% -12.0% YoY+1.1% QoQ	-0.5%	3.4% +8.6% YoY	3.9% +3.9% YoY	3.7% +5.0% YoY	20%
Efficiency Ratio	44.6% +7.6% YoY-0.7% QoQ	-33.5%	78.1% -3.4% YoY	72.7% -3.2% YoY	79.1% -3.3% YoY	Bottom 1.2% in tier
Delinquency Rate	0.5% +25.7% YoY-2.7% QoQ	-0.3	0.8% -4.9% YoY	1.3% -29.4% YoY	1.2% -0.9% YoY	32%
Loan To Share	24.9% -6.7% YoY-0.2% QoQ	-56.1%	81.0% -1.8% YoY	60.8% -6.8% YoY	68.0% -1.7% YoY	Bottom 0.0% in tier
AMR	$22,031 +9.3% YoY+0.6% QoQ	$-4K	$26,482 +2.6% YoY	$14,844 +2.4% YoY	$19,418 +1.3% YoY	28%
CD Concentration	27.9% +14.2% YoY+5.5% QoQ	+3.5%	24.4% +4.2% YoY	16.2% +7.9% YoY	19.6% +6.2% YoY	63%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.3% -13.6% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Profitability Leader

growth

#59 of 340 • Top 17.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.83%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#150 of 481 • Top 31.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.31%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (6)

Stagnation Risk

risk

#16 of 550 • Bottom 0.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.94%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.62%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.47%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Margin Compression

decline

#7 of 136 • Bottom 1.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.83%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 2.18%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 281 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#117 of 550 • Bottom 7.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.94%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#76 of 256 • Bottom 9.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $679.50M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -4.94%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.62%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk

#19 of 134 • Bottom 13.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.77%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 24.95%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 281 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank improving

Credit Quality Pressure

risk

#492 of 736 • Bottom 19.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

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 169 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Efficiency Ratio

profitability

Value: 44.63%

Peer Avg: -

#3 of 169 Top 1.2% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.83%

Peer Avg: -

#4 of 169 Top 1.8% in 500M-750M tier

Net Worth Ratio

risk

Value: 17.77%

Peer Avg: -

#4 of 169 Top 1.8% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Avg: -

#6 of 169 Top 3.0% in 500M-750M tier

AMR Growth Rate

growth

Value: 9.31%

Peer Avg: -

#18 of 169 Top 10.1% in 500M-750M tier

Top Weaknesses (9 metrics)

169

Loan-to-Share Ratio

balance_sheet

Value: 24.95%

Peer Avg: -

#169 of 169 Bottom 0.6% in 500M-750M tier

168

Loan-to-Member Ratio (LMR)

engagement

Value: $4,399

Peer Avg: -

#168 of 169 Bottom 1.2% in 500M-750M tier

168

Total Loans

balance_sheet

Value: $138.73M

Peer Avg: -

#168 of 169 Bottom 1.2% in 500M-750M tier

167

Fee Income Per Member

profitability

Value: $76.68

Peer Avg: -

#167 of 169 Bottom 1.8% in 500M-750M tier

162

Member Growth Rate

growth

Value: -4.94%

Peer Avg: -

#162 of 169 Bottom 4.7% in 500M-750M tier

155

First Mortgage Concentration (%)

balance_sheet

Value: 55.52%

Peer Avg: -

#155 of 169 Bottom 8.9% in 500M-750M tier

136

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Avg: -

#136 of 169 Bottom 20.1% in 500M-750M tier

135

Loan Growth Rate

growth

Value: -1.62%

Peer Avg: -

#135 of 169 Bottom 20.7% in 500M-750M tier

133

Total Members

engagement

Value: 31,538

Peer Avg: -

#133 of 169 Bottom 21.9% in 500M-750M tier