BlastPoint's Credit Union Scorecard
CELCO COMMUNITY
Charter #11254 · VA
CELCO COMMUNITY has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.1% in tier
- + Organic Growth Leader: Top 32.7% in tier
- + Emerging Performer: Top 37.0% in tier
- + ROA 0.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.9% in tier
- - Shrinking Wallet Share: Bottom 39.1% in tier
- - Delinquency rate 0.39% above tier average
- - AMR Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,330
+3.7% YoY+0.5% QoQ
|
-8.1K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 13.1% in tier |
| Assets |
$143.1M
+2.8% YoY+1.1% QoQ
|
$-88.8M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$75.1M
-0.3% YoY+1.1% QoQ
|
$-72.2M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$113.7M
+0.4% YoY-0.4% QoQ
|
$-87.1M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.1%
+11.8% YoY+0.9% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
3.5%
+10.4% YoY+0.8% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
72.0%
-1.4% YoY+0.9% QoQ
|
-5.0% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.3%
-1.2% YoY+9.6% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
66.1%
-0.6% YoY+1.6% QoQ
|
-6.1% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$25,767
-3.4% YoY-0.3% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
66% |
| 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 (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)