BlastPoint's Credit Union Scorecard
CELCO COMMUNITY
Charter #11254 · VA
CELCO COMMUNITY has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.5% in tier
- + Organic Growth Leader: Top 8.4% in tier
- + Emerging Performer: Top 30.5% in tier
- + Profitability Leader: Top 97.3% in tier
- + ROA 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 12.7% in tier
- - Liquidity Overhang: Bottom 23.3% in tier
- - Delinquency rate 0.32% above tier average
- - AMR Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,297
+4.3% YoY+1.1% QoQ
|
-8.3K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 12.6% in tier |
| Assets |
$141.5M
+3.1% YoY+0.6% QoQ
|
$-89.8M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$74.3M
-1.6% YoY-1.0% QoQ
|
$-73.5M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$114.2M
+3.5% YoY+0.3% QoQ
|
$-86.1M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+4.6% YoY+10.4% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.5%
+7.2% YoY+5.0% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
71.3%
-2.7% YoY-3.0% QoQ
|
-5.9% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.2%
-34.0% YoY-3.7% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
65.1%
-4.9% YoY-1.2% QoQ
|
-7.6% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$25,836
-2.7% YoY-1.3% QoQ
|
+$1K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)