BlastPoint's Credit Union Scorecard

1ST ADVANTAGE

Charter #7448 · VA

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 8 in VA
View Mid-Market leaderboard →

1ST ADVANTAGE has 4 strengths but faces 6 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 1.22% above tier average
  • + Net Interest Margin 1.30% above tier average
  • + Net Worth Ratio: Top 4.6% in tier
  • + Efficiency Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 59.0% in tier
  • - Credit Risk Growth: Bottom 63.8% in tier
  • - Indirect Auto Dependency: Bottom 78.0% in tier
  • - Liquidity Overhang: Bottom 81.2% in tier
  • - Total Deposits: Bottom 3.6% in tier
  • - Total Assets: Bottom 6.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 71,078
+0.3% YoY-1.2% QoQ
 -26.4K 97,431
-2.4% YoY
 222,299
+7.3% YoY
 33,374
+5.7% YoY
 29%
Assets $1.1B
+5.3% YoY+1.4% QoQ
 $-659.9M $1.7B
+0.9% YoY
 $2.9B
+9.9% YoY
 $561.6M
+9.7% YoY
 Bottom 6.0% in tier
Loans $778.3M
+5.9% YoY-1.4% QoQ
 $-456.1M $1.2B
+0.5% YoY
 $2.1B
+6.6% YoY
 $397.0M
+8.8% YoY
 Bottom 12.9% in tier
Deposits $880.1M
+3.4% YoY+1.2% QoQ
 $-579.2M $1.5B
+0.9% YoY
 $2.5B
+10.1% YoY
 $477.3M
+9.7% YoY
 Bottom 3.3% in tier

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

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ROA 1.9%
+1.2% YoY+3.2% QoQ
 +1.2% 0.7%
+20.9% YoY
 0.6%
+3.1% YoY
 0.7%
+15.9% YoY
 Top 0.7% in tier
NIM 4.6%
+2.7% YoY-0.1% QoQ
 +1.3% 3.3%
+9.2% YoY
 3.9%
+2.0% YoY
 3.8%
+5.1% YoY
 Top 2.6% in tier
Efficiency Ratio 60.8%
-0.9% YoY-1.7% QoQ
 -13.3% 74.1%
-9.5% YoY
 80.2%
-0.6% YoY
 79.7%
-3.3% YoY
 Bottom 7.9% in tier
Delinquency Rate 0.7%
+17.5% YoY+14.2% QoQ
 -0.2 0.9%
+6.2% YoY
 1.4%
-11.9% YoY
 1.3%
-2.1% YoY
 40%
Loan To Share 88.4%
+2.4% YoY-2.6% QoQ
 +3.6% 84.8%
-0.8% YoY
 65.1%
-5.8% YoY
 67.4%
-1.7% YoY
 53%
AMR $23,332
+4.3% YoY+1.2% QoQ
 $-6K $29,428
+2.4% YoY
 $18,904
+2.4% YoY
 $19,687
+2.0% YoY
 21%
CD Concentration 22.3%
-4.9% YoY-3.2% QoQ
 -6.7% 29.0% 18.3% 19.8% 22%
Indirect Auto % 18.2%
-16.1% YoY-4.2% QoQ
 -0.1% 18.3% 9.6% 7.8% 55%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk
#125 of 211 • Bottom 59.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 CUs YoY | New qualifier

Credit Risk Growth

risk
#105 of 164 • Bottom 63.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.90%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.10% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
164 of 378 Mid-Market CUs have this signature | 665 nationally
→ No prior data (164 CUs now) | New qualifier

Indirect Auto Dependency

risk
#153 of 196 • Bottom 78.0% in tier

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

Why This Signature
Asset Growth (YoY): 5.33%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 18.20%
(Tier: 18.31%, National: 7.78%)
but better than tier avg
Member Growth (YoY): 0.30%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank worsening

Liquidity Overhang

risk
#14 of 17 • Bottom 81.2% in tier

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

Why This Signature
Net Worth Ratio: 16.14%
(Tier: 11.27%, National: 14.49%)
but better than tier avg
Loan-to-Share Ratio: 88.44%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
17 of 378 Mid-Market CUs have this signature | 155 nationally
→ Stable (16→17 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 302 peers in tier

Top Strengths (7 metrics)

2
Return on Assets (ROA)
profitability
Value: 1.91%
Peer Median: -
#2 of 302 Top 0.3% in 1B-3B tier
8
Net Interest Margin (NIM)
profitability
Value: 4.57%
Peer Median: -
#8 of 302 Top 2.3% in 1B-3B tier
15
Net Worth Ratio
risk
Value: 16.14%
Peer Median: -
#15 of 302 Top 4.6% in 1B-3B tier
25
Efficiency Ratio
profitability
Value: 60.80%
Peer Median: -
#25 of 302 Top 7.9% in 1B-3B tier
58
First Mortgage Concentration (%)
balance_sheet
Value: 21.04%
Peer Median: -
#58 of 302 Top 18.9% in 1B-3B tier
68
Share Certificate Concentration (%)
balance_sheet
Value: 22.33%
Peer Median: -
#68 of 302 Top 22.2% in 1B-3B tier
76
Net Charge-Off Rate
risk
Value: 0.32%
Peer Median: -
#76 of 302 Top 24.8% in 1B-3B tier

Top Weaknesses (4 metrics)

292
Total Deposits
balance_sheet
Value: $880.09M
Peer Median: -
#292 of 302 Bottom 3.6% in 1B-3B tier
284
Total Assets
balance_sheet
Value: $1.06B
Peer Median: -
#284 of 302 Bottom 6.3% in 1B-3B tier
263
Total Loans
balance_sheet
Value: $778.32M
Peer Median: -
#263 of 302 Bottom 13.2% in 1B-3B tier
238
Average Member Relationship (AMR)
engagement
Value: $23,332
Peer Median: -
#238 of 302 Bottom 21.5% in 1B-3B tier
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