BlastPoint's Credit Union Scorecard
FIRST CHOICE AMERICA COMMUNITY
Charter #3264 · WV
FIRST CHOICE AMERICA COMMUNITY has 6 strengths but faces 11 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 55.1% in tier
- + ROA 1.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.2% in tier
- + Net Charge-Off Rate: Top 1.8% in tier
- + Net Worth Ratio: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1.6% in tier
- - Liquidity Overhang: Bottom 14.2% in tier
- - Institutional Decline: Bottom 33.9% in tier
- - Membership Headwinds: Bottom 35.4% in tier
- - Stagnation Risk: Bottom 42.7% in tier
- - Member decline: -3.9% YoY
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Total Loans: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Fee Income Per Member: Bottom 1.8% in tier
- - First Mortgage Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,129
-3.9% YoY-1.3% QoQ
|
-7.4K |
38,575
-4.8% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$687.5M
+5.9% YoY+1.2% QoQ
|
+$65.8M |
$621.7M
+0.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$137.7M
-2.0% YoY-0.8% QoQ
|
$-292.1M |
$429.8M
-1.8% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.6% in tier |
| Deposits |
$561.0M
+4.7% YoY+0.9% QoQ
|
+$22.3M |
$538.7M
+0.6% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
1.8%
-14.2% YoY-2.4% QoQ
|
+1.1% |
0.7%
+42.9% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 1.8% in tier |
| NIM |
2.9%
-9.9% YoY-1.0% QoQ
|
-0.5% |
3.4%
+8.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
45.4%
+7.5% YoY+1.8% QoQ
|
-32.1% |
77.5%
-4.1% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate |
0.4%
-23.8% YoY-20.3% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
24.5%
-6.4% YoY-1.6% QoQ
|
-55.3% |
79.8%
-2.3% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$22,445
+7.4% YoY+1.9% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
28.0%
+10.9% YoY+0.6% QoQ
|
+3.6% | 24.4% | 15.7% | 19.8% | 64% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)