BlastPoint's Credit Union Scorecard
FIRST CHOICE
Charter #66545 · WI
FIRST CHOICE demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.64% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 4.5% in tier
- + Efficiency Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,264
+3.5% YoY+0.7% QoQ
|
+638 |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$48.1M
+7.4% YoY+1.1% QoQ
|
+$18.3M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$26.4M
+17.3% YoY+3.1% QoQ
|
+$10.6M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$40.1M
+6.3% YoY+1.1% QoQ
|
+$14.7M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
2.3%
+82.6% YoY-7.0% QoQ
|
+1.6% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
Top 5.3% in tier |
| NIM |
4.2%
+11.0% YoY+0.0% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
51.2%
-24.9% YoY+3.1% QoQ
|
-30.2% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
0.4%
+217.7% YoY-51.2% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
65.8%
+10.3% YoY+2.0% QoQ
|
+4.6% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$20,385
+6.7% YoY+1.2% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
23.7%
+23.5% YoY+14.0% QoQ
|
-0.7% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)