BlastPoint's Credit Union Scorecard

FIRSTENERGY CHOICE

Charter #839 · PA

<100M

2508 CUs in <100M nationally 186 in PA

FIRSTENERGY CHOICE demonstrates 1 strength

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.15% above tier average

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	3,558 -1.8% YoY-1.1% QoQ	+881	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	75%
Assets	$52.2M -3.0% YoY+2.3% QoQ	+$22.0M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	78%
Loans	$12.9M -6.1% YoY-3.4% QoQ	$-2.3M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	58%
Deposits	$41.7M -5.7% YoY+2.5% QoQ	+$15.9M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	76%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.3% +46.4% YoY+62.3% QoQ	+1.2%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	80%
NIM	3.4% +13.1% YoY+1.8% QoQ	-0.6%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	31%
Efficiency Ratio	65.5% -8.7% YoY-13.3% QoQ	-25.1%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	19%
Delinquency Rate	0.2% -22.5% QoQ	-1.4	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	26%
Loan To Share	31.0% -0.4% YoY-5.7% QoQ	-27.5%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 12.4% in tier
AMR	$15,352 -4.0% YoY+2.2% QoQ	+$468	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	58%
CD Concentration	4.0% +4.5% YoY+8.6% QoQ	-20.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

468

Efficiency Ratio

profitability

Value: 65.52%

Peer Median: 81.45%

#468 of 2508 Top 18.6% in <100M tier

494

Net Worth Ratio

risk

Value: 20.76%

Peer Median: 14.28%

#494 of 2508 Top 19.7% in <100M tier

513

Return on Assets (ROA)

profitability

Value: 1.30%

Peer Median: 0.61%

#513 of 2508 Top 20.4% in <100M tier

539

Total Assets

balance_sheet

Value: $52.15M

Peer Median: $21.86M

#539 of 2508 Top 21.5% in <100M tier

594

Total Deposits

balance_sheet

Value: $41.69M

Peer Median: $18.77M

#594 of 2508 Top 23.6% in <100M tier

Top Weaknesses (4 metrics)

2194

Loan-to-Share Ratio

balance_sheet

Value: 31.03%

Peer Median: 58.72%

#2194 of 2508 Bottom 12.6% in <100M tier

2124

Deposit Growth Rate

growth

Value: -5.72%

Peer Median: 0.66%

#2124 of 2508 Bottom 15.4% in <100M tier

1993

AMR Growth Rate

growth

Value: -4.03%

Peer Median: 1.27%

#1993 of 2508 Bottom 20.6% in <100M tier

1939

Asset Growth Rate

growth

Value: -3.01%

Peer Median: 1.30%

#1939 of 2508 Bottom 22.7% in <100M tier