BlastPoint's Credit Union Scorecard
FIRST CHOICE
Charter #8229 · PA
FIRST CHOICE shows strong momentum with 9 strengths and 23.0% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Strong member growth: 23.0% YoY
- + Asset Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 1.2% in tier
- + Member Growth Rate: Top 1.4% in tier
- + Total Deposits: Top 1.7% in tier
- + Total Assets: Top 1.7% in tier
- + Total Members: Top 1.8% in tier
- + Total Loans: Top 3.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,494
+23.0% YoY+21.3% QoQ
|
+6.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 1.8% in tier |
| Assets |
$95.2M
+26.9% YoY+21.8% QoQ
|
+$65.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 1.8% in tier |
| Loans |
$55.2M
+8.2% YoY+14.7% QoQ
|
+$39.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Top 3.5% in tier |
| Deposits |
$83.0M
+26.0% YoY+21.7% QoQ
|
+$57.4M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 1.7% in tier |
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| ROA |
1.5%
-2.5% YoY-5.6% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 14.9% in tier |
| NIM |
3.8%
-5.1% YoY-8.2% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
62.7%
-1.7% YoY-0.4% QoQ
|
-19.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
1.1%
+51.9% YoY+19.0% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
66.4%
-14.1% YoY-5.7% QoQ
|
+5.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$14,557
-3.9% YoY-2.1% QoQ
|
$-226 |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
27.7%
+16.7% YoY+4.5% QoQ
|
+3.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
2.4%
-43.4% YoY-21.3% QoQ
|
-11.4% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)