BlastPoint's Credit Union Scorecard

TRANSPORTATION

Charter #3140 · VA

1069 CUs in 100M-500M nationally 25 in VA

TRANSPORTATION has 12 strengths but faces 6 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 8.9% in tier
+ Relationship Depth Leader: Top 10.1% in tier
+ Wallet Share Momentum: Top 19.5% in tier
+ Organic Growth Engine: Top 55.6% in tier
+ Strong member growth: 8.3% YoY
+ Loan Growth Rate: Top 2.1% in tier
+ Deposit Growth Rate: Top 2.8% in tier
+ Asset Growth Rate: Top 3.0% in tier
+ Member Growth Rate: Top 4.4% in tier
+ AMR Growth Rate: Top 7.4% in tier
+ Loan-to-Member Ratio (LMR): Top 7.7% in tier
+ Average Member Relationship (AMR): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 6.6% in tier
- Credit Quality Pressure: Bottom 34.4% in tier
- Efficiency Drag: Bottom 78.4% in tier
- ROA 0.48% below tier average
- Efficiency ratio 7.09% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	15,756 +8.3% YoY+3.0% QoQ	+318	15,437 -2.9% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	61%
Assets	$356.1M +16.3% YoY+2.9% QoQ	+$124.3M	$231.9M +1.3% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	82%
Loans	$257.1M +25.2% YoY+13.6% QoQ	+$109.7M	$147.3M -0.1% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	Top 12.6% in tier
Deposits	$321.9M +17.7% YoY+3.1% QoQ	+$121.1M	$200.8M +0.8% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	Top 14.9% in tier

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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	0.3% -37.3% YoY-7.5% QoQ	-0.5%	0.8% +18.2% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	16%
NIM	3.0% +0.6% YoY+1.8% QoQ	-0.6%	3.6% +6.7% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	20%
Efficiency Ratio	84.1% -0.5% YoY-2.7% QoQ	+7.1%	77.0% -3.1% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	75%
Delinquency Rate	0.9% +52.1% YoY+21.1% QoQ	-0.0	0.9% +4.2% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	62%
Loan To Share	79.9% +6.3% YoY+10.2% QoQ	+7.6%	72.2% -1.1% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	63%
AMR	$36,747 +11.6% YoY+4.4% QoQ	+$12K	$24,676 +3.4% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	Top 8.0% in tier
CD Concentration	39.3% +13.1% YoY-3.0% QoQ	+14.9%	24.4%	18.3%	19.8%	50%
Indirect Auto %	10.1% +117.7% YoY+42.2% QoQ	-3.7%	13.8%	9.6%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#39 of 426 • Top 8.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.30%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 10.07%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#28 of 268 • Top 10.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 11.64%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#101 of 513 • Top 19.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 11.64%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Organic Growth Engine

growth

#331 of 595 • Top 55.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.30%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.28%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 10.07%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#31 of 456 • Bottom 6.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 25.18%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#243 of 705 • Bottom 34.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#422 of 538 • Bottom 78.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.11%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 8.30%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (10 metrics)

Loan Growth Rate

growth

Value: 25.18%

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 17.70%

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 16.26%

Peer Median: -

#33 of 1069 Top 3.0% in 100M-500M tier

Member Growth Rate

growth

Value: 8.30%

Peer Median: -

#48 of 1069 Top 4.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.64%

Peer Median: -

#80 of 1069 Top 7.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,317

Peer Median: -

#83 of 1069 Top 7.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $36,747

Peer Median: -

#85 of 1069 Top 7.9% in 100M-500M tier

135

Total Loans

balance_sheet

Value: $257.09M

Peer Median: -

#135 of 1069 Top 12.5% in 100M-500M tier

159

Total Deposits

balance_sheet

Value: $321.89M

Peer Median: -

#159 of 1069 Top 14.8% in 100M-500M tier

187

Total Assets

balance_sheet

Value: $356.14M

Peer Median: -

#187 of 1069 Top 17.4% in 100M-500M tier

Top Weaknesses (5 metrics)

978

Share Certificate Concentration (%)

balance_sheet

Value: 39.34%

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

893

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier

862

Net Worth Ratio

risk

Value: 9.43%

Peer Median: -

#862 of 1069 Bottom 19.5% in 100M-500M tier

856

Net Interest Margin (NIM)

profitability

Value: 3.04%

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier

803

Efficiency Ratio

profitability

Value: 84.11%

Peer Median: -

#803 of 1069 Bottom 25.0% in 100M-500M tier