BlastPoint's Credit Union Scorecard
1ST ADVANTAGE
Charter #7448 · VA
1ST ADVANTAGE has 3 strengths but faces 4 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
- + 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Virginia.
- Shares and deposits +3.9% year over year ($896M in shares and deposits).
- Membership: 71,651 members, -0.0% vs a year ago.
- Delinquency rate 0.45%.
- Return on assets 1.82%.
- Efficiency ratio 62.58% vs a 73.02% peer average.
- Loan-to-share ratio 87.79% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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 |
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| 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)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)