BlastPoint's Credit Union Scorecard
PATENT AND TRADEMARK OFFICE
Charter #4936 · VA
PATENT AND TRADEMARK OFFICE faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 1.69% above tier (higher cost structure)
- - Delinquency rate 1.99% above tier average
- - Net Worth Ratio: Bottom 2.5% in tier
- - Indirect Auto Concentration (%): Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,808
-0.1% YoY-0.5% QoQ
|
+192 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$40.3M
-0.1% YoY+0.6% QoQ
|
+$10.1M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$20.7M
-10.5% YoY-6.2% QoQ
|
+$4.9M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$37.3M
-0.8% YoY+0.5% QoQ
|
+$11.6M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
0.6%
-587.3% YoY-7.3% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.7%
+8.4% YoY+2.0% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
84.2%
-1.2% YoY-0.5% QoQ
|
+1.7% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
3.5%
+80.9% YoY+71.1% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 10.4% in tier |
| Loan To Share |
55.4%
-9.8% YoY-6.7% QoQ
|
-5.2% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$20,650
-4.4% YoY-1.5% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
1.2%
-19.6% YoY-4.0% QoQ
|
-23.2% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
30.0%
+22.9% YoY-2.0% QoQ
|
+16.2% | 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)