BlastPoint's Credit Union Scorecard
1ST CHOICE
Charter #67505 · GA
1ST CHOICE has 3 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Members Per Employee (MPE): Top 3.6% in tier
- + Total Members: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 5.10% below tier average
- - Efficiency ratio 97.16% above tier (higher cost structure)
- - Delinquency rate 12.52% above tier average
- - Net Worth Ratio: Bottom 0.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Net Charge-Off Rate: Bottom 2.4% in tier
- - AMR Growth Rate: Bottom 3.4% in tier
- - Loan Growth Rate: Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 6.4% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,844
+1.0% YoY-10.4% QoQ
|
+4.2K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 6.4% in tier |
| Assets |
$30.6M
-9.1% YoY-2.0% QoQ
|
+$751K |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
61% |
| Loans |
$17.9M
-26.2% YoY-7.1% QoQ
|
+$2.1M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$31.0M
-6.2% YoY-0.6% QoQ
|
+$5.6M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
-4.4%
-49.7% YoY-12.0% QoQ
|
-5.1% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.3% in tier |
| NIM |
4.3%
-11.5% YoY+0.3% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
178.5%
+66.0% YoY-14.1% QoQ
|
+97.2% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 1.6% in tier |
| Delinquency Rate |
14.0%
+22.6% YoY+21.0% QoQ
|
+12.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 1.7% in tier |
| Loan To Share |
57.5%
-21.3% YoY-6.6% QoQ
|
-3.7% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$7,142
-15.5% YoY+8.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
15% |
| CD Concentration |
6.4%
-17.5% YoY-5.7% QoQ
|
-18.0% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.3%
-5.7% QoQ
|
-3.7% |
14.0%
-5.7% YoY
|
4.6%
+4.3% 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)