BlastPoint's Credit Union Scorecard
FIRST CHOICE
Charter #66545 · WI
FIRST CHOICE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.27% above tier average
- + Strong member growth: 38.9% YoY
- + Member Growth Rate: Top 1.0% in tier
- + Loan Growth Rate: Top 3.4% in tier
- + Efficiency Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
- Shares and deposits +6.4% year over year ($42.2M in shares and deposits).
- Membership: 4,503 members, +38.9% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 1.68%.
- Efficiency ratio 57.17% vs a 88.77% peer average.
- Loan-to-share ratio 72.77% vs a 58.89% 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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,503
+38.9% YoY+37.2% QoQ
|
+1.9K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$51.0M
+7.0% YoY+1.8% QoQ
|
+$20.7M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$30.7M
+20.0% YoY+6.8% QoQ
|
+$15.3M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$42.2M
+6.4% YoY+1.1% QoQ
|
+$16.4M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
1.7%
-33.0% YoY+28.0% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
4.2%
-0.1% YoY+2.3% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
57.2%
+15.1% YoY-7.2% QoQ
|
-31.6% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
0.7%
-26.9% YoY-10.7% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
72.8%
+12.8% YoY+5.7% QoQ
|
+13.9% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$16,199
-19.6% YoY-24.6% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
24.1%
+15.7% YoY-2.9% QoQ
|
-0.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)