BlastPoint's Credit Union Scorecard
FIRST CHOICE COMMUNITY
Charter #67185 · TN
FIRST CHOICE COMMUNITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.00% below tier average
- - Efficiency ratio 0.62% above tier (higher cost structure)
- - Member decline: -4.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,608
-4.8% YoY-2.2% QoQ
|
+992 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$48.8M
+0.1% YoY-2.3% QoQ
|
+$18.6M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$20.1M
-3.6% YoY-0.3% QoQ
|
+$4.4M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$40.8M
-0.7% YoY-2.5% QoQ
|
+$15.1M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.6%
-40.5% YoY-44.1% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
4.1%
+11.7% YoY+2.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
83.2%
+10.9% YoY+14.1% QoQ
|
+0.6% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.9%
+176.4% YoY+18.6% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
49.4%
-2.8% YoY+2.3% QoQ
|
-11.2% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$16,885
+3.3% YoY+0.4% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
10.6%
-14.7% YoY+8.0% QoQ
|
-13.8% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)