BlastPoint's Credit Union Scorecard

1ST ADVANTAGE

Charter #7448 · VA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 8 in VA

View Mid-Market leaderboard →

1ST ADVANTAGE has 3 strengths but faces 5 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 0.97% above tier average
+ Net Interest Margin 1.10% above tier average
+ Net Worth Ratio: Top 5.2% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 3.7% in tier
- Liquidity Overhang: Bottom 4.7% in tier
- Indirect Auto Dependency: Bottom 48.4% in tier
- Total Deposits: Bottom 5.6% in tier
- Total Assets: Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	71,346 +0.1% YoY+0.4% QoQ	-24.7K	96,048 -2.7% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	29%
Assets	$1.1B +5.2% YoY+1.6% QoQ	$-639.7M	$1.7B +0.4% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Bottom 6.9% in tier
Loans	$768.6M +2.2% YoY-1.2% QoQ	$-445.1M	$1.2B +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	Bottom 13.1% in tier
Deposits	$893.7M +3.6% YoY+1.5% QoQ	$-571.9M	$1.5B +0.5% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	Bottom 5.2% in tier

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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	1.7% -6.0% YoY-11.8% QoQ	+1.0%	0.7% +27.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Top 4.2% in tier
NIM	4.5% -0.2% YoY-2.5% QoQ	+1.1%	3.4% +6.2% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	Top 4.9% in tier
Efficiency Ratio	63.6% -2.8% YoY+4.7% QoQ	-11.0%	74.6% -3.0% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Top 11.4% in tier
Delinquency Rate	0.4% -29.3% YoY-34.1% QoQ	-0.3	0.8% +6.9% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	30%
Loan To Share	86.0% -1.4% YoY-2.7% QoQ	+2.8%	83.2% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	51%
AMR	$23,299 +2.9% YoY-0.1% QoQ	$-6K	$29,652 +2.3% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	21%
CD Concentration	22.7% +0.9% YoY+1.4% QoQ	-6.2%	28.8%	18.0%	19.8%	24%
Indirect Auto %	17.1% -19.1% YoY-5.9% QoQ	-0.9%	18.1%	9.4%	7.7%	53%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Margin Compression

decline

#16 of 24 • Bottom 3.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.68%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.79%

(Tier: 0.58%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

24 of 384 Mid-Market CUs have this signature | 162 nationally

→ No prior data (24 CUs now) | New qualifier

Indirect Auto Dependency

risk

#146 of 198 • Bottom 48.4% in tier

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

Why This Signature

Asset Growth (YoY): 5.15%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 17.13%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): 0.10%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Overhang

risk

#14 of 15 • Bottom 4.7% in tier

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

Why This Signature

Net Worth Ratio: 16.31%

(Tier: 11.28%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 86.01%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

15 of 384 Mid-Market CUs have this signature | 143 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (6 metrics)

Return on Assets (ROA)

profitability

Value: 1.68%

Peer Median: 0.66%

#13 of 306 Top 3.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.46%

Peer Median: 3.37%

#15 of 306 Top 4.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 16.31%

Peer Median: 10.85%

#17 of 306 Top 5.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.65%

Peer Median: 75.16%

#36 of 306 Top 11.4% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 21.10%

Peer Median: 33.05%

#60 of 306 Top 19.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.65%

Peer Median: 27.93%

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (4 metrics)

290

Total Deposits

balance_sheet

Value: $893.67M

Peer Median: $1.31B

#290 of 306 Bottom 5.6% in 1B-3B tier

285

Total Assets

balance_sheet

Value: $1.08B

Peer Median: $1.51B

#285 of 306 Bottom 7.2% in 1B-3B tier

266

Total Loans

balance_sheet

Value: $768.63M

Peer Median: $1.11B

#266 of 306 Bottom 13.4% in 1B-3B tier

242

Average Member Relationship (AMR)

engagement

Value: $23,299

Peer Median: $28,178

#242 of 306 Bottom 21.2% in 1B-3B tier