1ST ADVANTAGE
Charter #7448 | VA
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
8 1B-3B in VA
1ST ADVANTAGE has 9 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 4.9% in tier
- + Organic Growth Engine: Top 11.5% in tier
- + Relationship Depth Leader: Top 17.5% in tier
- + Wallet Share Momentum: Top 19.0% in tier
- + Organic Growth Leader: Top 27.5% in tier
- + ROA 1.15% above tier average
- + Net Interest Margin 1.32% above tier average
- + Net Worth Ratio: Top 5.3% in tier
- + Efficiency Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.0% in tier
- - Growth-at-Risk: Bottom 12.0% in tier
- - Credit Quality Pressure: Bottom 19.0% in tier
- - Indirect Auto Dependency: Bottom 25.2% in tier
- - Liquidity Strain: Bottom 27.1% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Total Assets: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,966
+1.7% YoY+0.4% QoQ
|
-26.7K |
98,678
-1.9% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
29th in tier |
| Assets |
$1.0B
+4.8% YoY+1.6% QoQ
|
$-670.9M |
$1.7B
+0.5% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.6% in tier |
| Loans |
$789.3M
+10.0% YoY+2.9% QoQ
|
$-443.7M |
$1.2B
+0.5% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.8% in tier |
| Deposits |
$869.5M
+2.8% YoY+0.9% QoQ
|
$-584.8M |
$1.5B
+1.3% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.6% in tier |
| ROA |
1.8%
+0.1% YoY+6.1% QoQ
|
+1.1% |
0.7%
+13.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Top 1.3% in tier |
| NIM |
4.6%
+3.3% YoY+0.6% QoQ
|
+1.3% |
3.3%
+9.3% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
61.8%
-0.3% YoY-1.7% QoQ
|
-12.1% |
74.0%
-10.9% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate |
0.6%
+14.5% YoY+13.4% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
40th in tier |
| Loan To Share |
90.8%
+7.0% YoY+2.0% QoQ
|
+5.6% |
85.2%
-0.8% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
57th in tier |
| AMR |
$23,051
+4.3% YoY+1.4% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.7% in tier |
| CD Concentration |
23.1%
-4.8% YoY+0.7% QoQ
|
-5.9% |
29.0%
+0.8% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
Bottom 23.0% in tier |
| Indirect Auto % |
19.0%
-14.7% YoY-6.3% QoQ
|
+0.2% |
18.8%
-2.8% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
56th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#27 of 184 • Top 4.9% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.85%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
1.73%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#84 of 246 • Top 11.5% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.73%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
1.85%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
18.99%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#127 of 264 • Top 17.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.30%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$3.1K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#138 of 264 • Top 19.0% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.30%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#109 of 138 • Top 27.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.73%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
|
New qualifier
Concerns (5)
Liquidity Overhang
risk
#33 of 113 • Bottom 10.0% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
15.82%
(Tier:
11.30%, National:
14.51%)
Loan-to-Share Ratio:
90.78%
(Tier:
86.35%, National:
67.96%)
113 of 380 Mid-Market CUs have this signature
| 691 nationally
↑ Growing
+9 CUs YoY
|
Rank worsening
Growth-at-Risk
risk
#68 of 161 • Bottom 12.0% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
10.02%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.07% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#146 of 217 • Bottom 19.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.07% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
New qualifier
Indirect Auto Dependency
risk
#156 of 202 • Bottom 25.2% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
4.82%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
18.99%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
1.73%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#143 of 183 • Bottom 27.1% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
90.78%
(Tier:
86.35%, National:
67.96%)
Loan Growth (YoY):
10.02%
(Tier:
6.14%, National:
36.38%)
183 of 380 Mid-Market CUs have this signature
| 484 nationally
↑ Growing
+10 CUs YoY
|
New qualifier
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)
Top Strengths (8 metrics)
4
Return on Assets (ROA)
profitability
Value:
1.85%
Peer Avg: 0.70%
#4 of 304
Top 1.0% in 1B-3B tier
10
Net Interest Margin (NIM)
profitability
Value:
4.58%
Peer Avg: 3.26%
#10 of 304
Top 3.0% in 1B-3B tier
17
Net Worth Ratio
risk
Value:
15.82%
Peer Avg: 11.44%
#17 of 304
Top 5.3% in 1B-3B tier
30
Efficiency Ratio
profitability
Value:
61.84%
Peer Avg: 73.97%
#30 of 304
Top 9.5% in 1B-3B tier
57
First Mortgage Concentration (%)
balance_sheet
Value:
20.73%
Peer Avg: 34.01%
#57 of 304
Top 18.4% in 1B-3B tier
65
Loan Growth Rate
growth
Value:
10.02%
Peer Avg: 5.27%
#65 of 304
Top 21.1% in 1B-3B tier
75
Share Certificate Concentration (%)
balance_sheet
Value:
23.06%
Peer Avg: 28.53%
#75 of 304
Top 24.3% in 1B-3B tier
76
Net Charge-Off Rate
risk
Value:
0.33%
Peer Avg: 0.60%
#76 of 304
Top 24.7% in 1B-3B tier
Top Weaknesses (4 metrics)
293
Total Deposits
balance_sheet
Value:
$869.53M
Peer Avg: $1.45B
#293 of 304
Bottom 3.9% in 1B-3B tier
287
Total Assets
balance_sheet
Value:
$1.05B
Peer Avg: $1.72B
#287 of 304
Bottom 5.9% in 1B-3B tier
259
Total Loans
balance_sheet
Value:
$789.34M
Peer Avg: $1.23B
#259 of 304
Bottom 15.1% in 1B-3B tier
238
Average Member Relationship (AMR)
engagement
Value:
$23,051
Peer Avg: $29,172
#238 of 304
Bottom 22.0% in 1B-3B tier