BlastPoint's Credit Union Scorecard
RVA FINANCIAL
Charter #6878 · VA
RVA FINANCIAL has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 0.16% above tier average
- + Strong member growth: 15.4% YoY
- + Total Members: Top 1.0% in tier
- + Fee Income Per Member: Top 1.2% in tier
- + Member Growth Rate: Top 2.0% in tier
- + Total Loans: Top 3.9% in tier
- + Net Charge-Off Rate: Top 5.2% in tier
- + Total Deposits: Top 8.6% in tier
- + Total Assets: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 10.68% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 5.1% in tier
- - AMR Growth Rate: Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,458
+15.4% YoY+18.6% QoQ
|
+7.8K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 1.1% in tier |
| Assets |
$75.8M
+1.7% YoY-0.1% QoQ
|
+$45.7M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 9.5% in tier |
| Loans |
$53.9M
+3.0% YoY+2.2% QoQ
|
+$38.1M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 3.9% in tier |
| Deposits |
$66.2M
+2.2% YoY+0.6% QoQ
|
+$40.5M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 8.7% in tier |
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| ROA |
0.8%
-48.1% YoY-52.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
4.1%
-0.6% YoY-0.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
93.2%
+15.8% YoY+7.6% QoQ
|
+10.7% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
1.4%
+285.6% YoY+33.8% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
81.3%
+0.8% YoY+1.5% QoQ
|
+20.7% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$11,480
-11.1% YoY-14.6% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
18.8%
+5.2% YoY+6.4% QoQ
|
-5.6% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
5.8%
+135.4% YoY+2.7% QoQ
|
-8.0% | 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)