BlastPoint's Credit Union Scorecard
APPLE
Charter #11307 · VA
APPLE has 2 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.09% above tier average
- + Fee Income Per Member: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
267,466
-0.3% YoY+0.2% QoQ
|
-40.3K |
307,793
+7.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$5.6B
+7.3% YoY+3.3% QoQ
|
$-148.6M |
$5.8B
-0.2% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$3.3B
-0.5% YoY-0.4% QoQ
|
$-839.8M |
$4.2B
+0.4% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.1% in tier |
| Deposits |
$4.7B
+7.8% YoY+3.7% QoQ
|
$-200.6M |
$4.9B
+0.2% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
1.9%
+131.0% YoY+130.8% QoQ
|
+1.1% |
0.9%
+47.0% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Top 2.7% in tier |
| NIM |
2.8%
-10.1% YoY-4.7% QoQ
|
-0.4% |
3.2%
+9.8% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
60.1%
-12.5% YoY-9.1% QoQ
|
-6.5% |
66.6%
-11.0% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.5%
+23.5% YoY-17.2% QoQ
|
-0.2 |
0.7%
+23.3% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
70.6%
-7.8% YoY-4.0% QoQ
|
-14.1% |
84.7%
-0.7% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.1% in tier |
| AMR |
$29,948
+4.5% YoY+1.7% QoQ
|
$-2K |
$32,237
-7.3% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
39.9%
+6.9% YoY+0.1% QoQ
|
+11.2% | 28.6% | 18.0% | 19.8% | Top 13.6% in tier |
| Indirect Auto % |
10.6%
-10.3% YoY-1.2% QoQ
|
-5.8% | 16.4% | 9.4% | 7.7% | 36% |
Signature Analysis
Strengths (0)
Concerns (1)
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)