BlastPoint's Credit Union Scorecard
VACATIONLAND
Charter #11293 · OH
VACATIONLAND has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 5.36% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,702
-0.3% YoY-0.2% QoQ
|
+5.3K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$320.9M
+5.6% YoY+2.3% QoQ
|
+$89.0M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$182.5M
-1.5% YoY-1.1% QoQ
|
+$35.1M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$274.8M
+6.1% YoY+2.4% QoQ
|
+$74.0M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.6%
-6.0% YoY+2.2% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.7%
-0.9% YoY+1.4% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
82.4%
-0.6% YoY-0.5% QoQ
|
+5.4% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.8%
+28.3% YoY+59.1% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
66.4%
-7.2% YoY-3.5% QoQ
|
-5.8% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$22,092
+3.2% YoY+1.2% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
22.9%
+3.9% YoY-0.7% QoQ
|
-1.5% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
32.6%
-5.7% YoY-0.6% QoQ
|
+18.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)