BlastPoint's Credit Union Scorecard
FIRST CHOICE AMERICA COMMUNITY
Charter #3264 · WV
FIRST CHOICE AMERICA COMMUNITY has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does WV stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 15.6% in tier
- + ROA 0.91% above tier average
- + Net Charge-Off Rate: Top 0.1% in tier
- + Efficiency Ratio: Top 1.2% in tier
- + Net Worth Ratio: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.9% in tier
- - Margin Compression: Bottom 8.4% in tier
- - Institutional Decline: Bottom 11.1% in tier
- - Credit Quality Pressure: Bottom 39.6% in tier
- - Membership Headwinds: Bottom 89.3% in tier
- - Stagnation Risk: Bottom 89.3% in tier
- - Member decline: -4.7% YoY
- - Total Loans: Bottom 0.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,677
-4.7% YoY-1.5% QoQ
|
-7.4K |
38,079
-4.8% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$704.4M
+5.3% YoY+2.5% QoQ
|
+$84.7M |
$619.7M
-0.2% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
81% |
| Loans |
$135.6M
-2.6% YoY-1.5% QoQ
|
$-283.7M |
$419.3M
-1.4% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$575.7M
+4.3% YoY+2.6% QoQ
|
+$36.2M |
$539.5M
-0.1% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
70% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
-9.2% YoY-10.9% QoQ
|
+0.9% |
0.7%
+36.0% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 7.8% in tier |
| NIM |
2.8%
-3.5% YoY-4.1% QoQ
|
-0.7% |
3.5%
+4.5% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio |
49.1%
+6.8% YoY+8.0% QoQ
|
-29.3% |
78.4%
-3.7% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
0.3%
+44.2% YoY-28.0% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
23.6%
-6.6% YoY-4.0% QoQ
|
-54.1% |
77.7%
-1.2% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$23,186
+7.9% YoY+3.3% QoQ
|
$-4K |
$26,927
+3.1% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
27.9%
+7.9% YoY-0.4% QoQ
|
+3.7% | 24.3% | 15.9% | 19.8% | 64% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)