BlastPoint's Credit Union Scorecard

FIRST CHOICE AMERICA COMMUNITY

Charter #3264 · WV

Community 500M-750M

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

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FIRST CHOICE AMERICA COMMUNITY has 6 strengths but faces 8 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

+ Wallet Share Momentum: Top 21.9% in tier
+ ROA 0.86% 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
+ Total Delinquency Rate (60+ days): Top 5.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 5.0% in tier
- Margin Compression: Bottom 7.7% in tier
- Institutional Decline: Bottom 10.9% in tier
- Membership Headwinds: Bottom 85.5% in tier
- Stagnation Risk: Bottom 85.5% in tier
- Member decline: -3.8% YoY
- Total Loans: Bottom 0.6% in tier
- Loan-to-Share Ratio: Bottom 0.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in West Virginia.
Shares and deposits +4.5% year over year ($582M in shares and deposits).
Membership: 30,588 members, -3.8% vs a year ago.
Delinquency rate 0.15%.
Return on assets 1.68%.
Efficiency ratio 48.00% vs a 76.56% peer average.
Loan-to-share ratio 23.34% vs a 79.33% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	30,588 -3.8% YoY-0.3% QoQ	-7.3K	37,897 -5.0% YoY	5,079 -0.5% YoY	34,678 +6.6% YoY	24%
Assets	$713.9M +5.5% YoY+1.3% QoQ	+$91.5M	$622.4M +0.6% YoY	$71.2M +3.6% YoY	$593.1M +10.2% YoY	82%
Loans	$135.8M -2.5% YoY+0.2% QoQ	$-292.7M	$428.5M -0.7% YoY	$38.5M +1.2% YoY	$418.6M +10.1% YoY	Bottom 0.1% in tier
Deposits	$581.8M +4.5% YoY+1.1% QoQ	+$42.0M	$539.8M +0.9% YoY	$60.8M +2.9% YoY	$504.8M +10.3% YoY	72%

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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	1.7% -7.0% YoY+5.1% QoQ	+0.9%	0.8% +39.5% YoY	1.1% +25.0% YoY	1.2% +121.4% YoY	Top 8.5% in tier
NIM	2.9% -1.0% YoY+3.2% QoQ	-0.6%	3.5% +5.0% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Bottom 12.1% in tier
Efficiency Ratio	48.0% +6.8% YoY-2.2% QoQ	-28.6%	76.6% -3.6% YoY	78.0% +6.1% YoY	83.0% -5.3% YoY	Top 1.2% in tier
Delinquency Rate	0.1% -69.8% YoY-45.9% QoQ	-0.7	0.8% +3.1% YoY	1.4% +1.7% YoY	1.3% +2.6% YoY	Top 5.5% in tier
Loan To Share	23.3% -6.7% YoY-0.9% QoQ	-56.0%	79.3% -1.4% YoY	58.3% -3.5% YoY	66.4% -1.4% YoY	Bottom 0.1% in tier
AMR	$23,461 +7.1% YoY+1.2% QoQ	$-4K	$27,294 +4.1% YoY	$15,001 +0.4% YoY	$20,028 -0.9% YoY	33%
CD Concentration	27.9% +5.6% YoY-0.2% QoQ	+3.3%	24.6%	16.8%	20.0%	64%
Indirect Auto %	0.0%	-13.6%	13.6%	1.9%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#282 of 483 • Top 21.9% in tier

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

Why This Signature

AMR Growth (YoY): 7.12%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (5)

Liquidity Overhang

risk

#19 of 130 • Bottom 5.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.15%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 23.34%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 276 Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

Margin Compression

decline

#44 of 140 • Bottom 7.7% 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: 1.68%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.80%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 276 Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

Institutional Decline

decline

#74 of 230 • Bottom 10.9% in tier

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

Why This Signature

Total Assets: $713.88M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -3.76%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.47%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#188 of 549 • Bottom 85.5% in tier

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

Why This Signature

Member Growth (YoY): -3.76%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Stagnation Risk

risk

#246 of 549 • Bottom 85.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.76%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.47%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.15%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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 165 peers in tier

Top Strengths (8 metrics)

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.41%

#1 of 165 Top 0.1% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 9.93%

#1 of 165 Top 0.1% in 500M-750M tier

Efficiency Ratio

profitability

Value: 48.00%

Peer Median: 77.45%

#3 of 165 Top 1.2% in 500M-750M tier

Net Worth Ratio

risk

Value: 18.15%

Peer Median: 10.42%

#5 of 165 Top 2.4% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: 0.70%

#10 of 165 Top 5.5% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.68%

Peer Median: 0.74%

#14 of 165 Top 7.9% in 500M-750M tier

Total Assets

balance_sheet

Value: $713.88M

Peer Median: $621.76M

#30 of 165 Top 17.6% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.12%

Peer Median: 3.83%

#40 of 165 Top 23.6% in 500M-750M tier

Top Weaknesses (9 metrics)

165

Total Loans

balance_sheet

Value: $135.82M

Peer Median: $428.72M

#165 of 165 Bottom 0.6% in 500M-750M tier

165

Loan-to-Share Ratio

balance_sheet

Value: 23.34%

Peer Median: 81.50%

#165 of 165 Bottom 0.6% in 500M-750M tier

164

Loan-to-Member Ratio (LMR)

engagement

Value: $4,440

Peer Median: $11,477

#164 of 165 Bottom 1.2% in 500M-750M tier

163

Fee Income Per Member

profitability

Value: $77.48

Peer Median: $191.53

#163 of 165 Bottom 1.8% in 500M-750M tier

151

First Mortgage Concentration (%)

balance_sheet

Value: 55.16%

Peer Median: 34.05%

#151 of 165 Bottom 9.1% in 500M-750M tier

146

Member Growth Rate

growth

Value: -3.76%

Peer Median: 0.59%

#146 of 165 Bottom 12.1% in 500M-750M tier

145

Net Interest Margin (NIM)

profitability

Value: 2.89%

Peer Median: 3.55%

#145 of 165 Bottom 12.7% in 500M-750M tier

141

Loan Growth Rate

growth

Value: -2.47%

Peer Median: 4.82%

#141 of 165 Bottom 15.2% in 500M-750M tier

126

Total Members

engagement

Value: 30,588

Peer Median: 36,716

#126 of 165 Bottom 24.2% in 500M-750M tier