BlastPoint's Credit Union Scorecard
FIRST CHOICE
Charter #8229 · PA
FIRST CHOICE shows strong momentum with 8 strengths and 22.1% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.59% above tier average
- + Net Interest Margin 0.16% above tier average
- + Strong member growth: 22.1% YoY
- + Asset Growth Rate: Top 1.2% in tier
- + Member Growth Rate: Top 1.4% in tier
- + Deposit Growth Rate: Top 1.4% in tier
- + Total Members: Top 1.5% in tier
- + Total Assets: Top 2.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,534
+22.1% YoY+0.4% QoQ
|
+6.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Top 1.6% in tier |
| Assets |
$93.9M
+22.7% YoY-1.3% QoQ
|
+$63.7M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Top 2.1% in tier |
| Loans |
$54.0M
+7.1% YoY-2.0% QoQ
|
+$38.8M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Top 3.2% in tier |
| Deposits |
$81.6M
+21.2% YoY-1.7% QoQ
|
+$55.9M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Top 2.2% in tier |
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| ROA |
1.7%
+8.9% YoY+12.5% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 10.2% in tier |
| NIM |
4.2%
+2.9% YoY+9.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
62.9%
+0.4% YoY+0.3% QoQ
|
-27.7% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
1.2%
+18.3% YoY+8.2% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
66.2%
-11.6% YoY-0.4% QoQ
|
+7.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$14,231
-5.7% YoY-2.2% QoQ
|
$-653 |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
24.1%
+2.4% YoY-12.8% QoQ
|
-0.2% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
2.2%
-44.3% YoY-8.5% QoQ
|
-11.6% | 13.8% | 8.3% | 7.7% | 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)