BlastPoint's Credit Union Scorecard
1ST ADVANTAGE
Charter #7448 · VA
1ST ADVANTAGE has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 3.2% in tier
- + Organic Growth Engine: Top 11.5% in tier
- + Organic Growth Leader: Top 27.5% in tier
- + Emerging Performer: Top 39.4% 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
- - Credit Risk Growth: 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
|
29% |
| 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 |
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| 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
|
40% |
| 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
|
57% |
| 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
|
22% |
| CD Concentration |
23.1%
-4.8% YoY+0.7% QoQ
|
-5.9% |
29.0%
+0.7% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
23% |
| Indirect Auto % |
19.0%
-14.7% YoY-6.3% QoQ
|
+0.2% |
18.8%
-3.0% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
56% |
Signature Analysis
Strengths (4)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)