BlastPoint's Credit Union Scorecard

1ST ADVANTAGE

Charter #7448 · VA

Mid-Market 1B-3B

1st Advantage at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

1st Advantage is one of 101 credit unions in the 2026 VentureTech card set. We also found 1st Advantage's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
1st Advantage
Turn your sound on
300 CUs in 1B-3B nationally 8 in VA
View Mid-Market leaderboard →

1ST ADVANTAGE has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.00% above tier average
  • + Net Interest Margin 1.10% above tier average
  • + Net Worth Ratio: Top 5.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.1% in tier
  • - Indirect Auto Dependency: Bottom 49.2% in tier
  • - Total Deposits: Bottom 7.7% in tier
  • - Total Assets: Bottom 9.3% in tier
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 71,651
-0.0% YoY+0.4% QoQ
 -25.2K 96,861
-1.9% YoY
 226,164
+4.4% YoY
 34,678
+6.6% YoY
 30%
Assets $1.1B
+5.4% YoY+0.7% QoQ
 $-636.1M $1.7B
+0.4% YoY
 $3.0B
+6.1% YoY
 $593.1M
+10.2% YoY
 Bottom 9.0% in tier
Loans $786.3M
+2.5% YoY+2.3% QoQ
 $-448.0M $1.2B
+0.7% YoY
 $2.2B
+5.0% YoY
 $418.6M
+10.1% YoY
 Bottom 14.3% in tier
Deposits $895.7M
+3.9% YoY+0.2% QoQ
 $-567.7M $1.5B
+0.5% YoY
 $2.6B
+6.5% YoY
 $504.8M
+10.3% YoY
 Bottom 7.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.8%
+4.2% YoY+7.8% QoQ
 +1.0% 0.8%
+27.6% YoY
 1.1%
+69.8% YoY
 1.2%
+121.4% YoY
 Top 2.3% in tier
NIM 4.5%
-0.7% YoY+1.5% QoQ
 +1.1% 3.4%
+6.6% YoY
 3.9%
+0.9% YoY
 3.8%
+2.3% YoY
 Top 5.0% in tier
Efficiency Ratio 62.6%
-0.6% YoY-1.7% QoQ
 -10.4% 73.0%
-2.7% YoY
 79.7%
-1.2% YoY
 83.0%
-5.3% YoY
 Top 12.7% in tier
Delinquency Rate 0.5%
-12.4% YoY+2.6% QoQ
 -0.4 0.9%
+7.3% YoY
 1.5%
-1.1% YoY
 1.3%
+2.6% YoY
 24%
Loan To Share 87.8%
-1.4% YoY+2.1% QoQ
 +3.1% 84.7%
+0.1% YoY
 64.2%
-3.9% YoY
 66.4%
-1.4% YoY
 52%
AMR $23,474
+3.2% YoY+0.8% QoQ
 $-6K $29,575
+1.5% YoY
 $18,993
+1.8% YoY
 $20,028
-0.9% YoY
 21%
CD Concentration 22.5%
-1.8% YoY-0.7% QoQ
 -6.6% 29.1% 18.0% 20.0% 23%
Indirect Auto % 15.9%
-21.3% YoY-7.0% QoQ
 -2.1% 18.1% 9.3% 7.7% 51%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk
#149 of 193 • Bottom 49.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.39%
(Tier: 6.52%, National: 3.30%)
worse than tier avg
Indirect Auto %: 15.94%
(Tier: 18.08%, National: 7.71%)
but better than tier avg
Member Growth (YoY): -0.02%
(Tier: 3.16%, National: 15.67%)
worse than tier avg
193 of 377 Mid-Market CUs have this signature | 714 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Overhang

risk
#14 of 15 • Bottom 5.1% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.66%
(Tier: 11.45%, National: 14.66%)
but better than tier avg
Loan-to-Share Ratio: 87.79%
(Tier: 85.94%, National: 66.39%)
but better than tier avg
15 of 377 Mid-Market CUs have this signature | 148 nationally
→ Stable (16→15 CUs) -1 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)

Comparing against 300 peers in tier

Top Strengths (7 metrics)

7
Return on Assets (ROA)
profitability
Value: 1.82%
Peer Median: 0.77%
#7 of 300 Top 2.0% in 1B-3B tier
15
Net Interest Margin (NIM)
profitability
Value: 4.52%
Peer Median: 3.46%
#15 of 300 Top 4.7% in 1B-3B tier
18
Net Worth Ratio
risk
Value: 16.66%
Peer Median: 10.91%
#18 of 300 Top 5.7% in 1B-3B tier
39
Efficiency Ratio
profitability
Value: 62.58%
Peer Median: 73.62%
#39 of 300 Top 12.7% in 1B-3B tier
65
First Mortgage Concentration (%)
balance_sheet
Value: 22.14%
Peer Median: 33.59%
#65 of 300 Top 21.3% in 1B-3B tier
72
Total Delinquency Rate (60+ days)
risk
Value: 0.45%
Peer Median: 0.70%
#72 of 300 Top 23.7% in 1B-3B tier
75
Share Certificate Concentration (%)
balance_sheet
Value: 22.49%
Peer Median: 28.24%
#75 of 300 Top 24.7% in 1B-3B tier

Top Weaknesses (4 metrics)

278
Total Deposits
balance_sheet
Value: $895.67M
Peer Median: $1.30B
#278 of 300 Bottom 7.7% in 1B-3B tier
273
Total Assets
balance_sheet
Value: $1.09B
Peer Median: $1.51B
#273 of 300 Bottom 9.3% in 1B-3B tier
257
Total Loans
balance_sheet
Value: $786.27M
Peer Median: $1.14B
#257 of 300 Bottom 14.7% in 1B-3B tier
236
Average Member Relationship (AMR)
engagement
Value: $23,474
Peer Median: $28,089
#236 of 300 Bottom 21.7% in 1B-3B tier
Link copied to clipboard!