BlastPoint's Credit Union Scorecard
VIRGINIA STATE UNIVERSITY
Charter #3029 · VA
VIRGINIA STATE UNIVERSITY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 1.99% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.13% above tier average
- - Net Worth Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,891
-1.8% YoY-0.8% QoQ
|
-724 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$12.9M
+4.6% YoY-1.4% QoQ
|
$-17.2M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$8.2M
-1.9% YoY+0.8% QoQ
|
$-7.6M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$11.7M
+3.1% YoY-2.0% QoQ
|
$-14.0M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.9%
+246.5% YoY-6.1% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
5.9%
+8.8% YoY+1.5% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
80.0%
-3.3% YoY+2.1% QoQ
|
-2.6% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
1.7%
-35.2% YoY+123.9% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
69.9%
-4.8% YoY+2.9% QoQ
|
+9.2% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$10,493
+2.8% YoY-0.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 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)