BlastPoint's Credit Union Scorecard
APPLE
Charter #11307 · VA
APPLE has 9 strengths but faces 2 concerns
How does the industry compare?
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How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 1.2% in tier
- + Organic Growth Engine: Top 7.4% in tier
- + Emerging Performer: Top 35.0% in tier
- + Wallet Share Momentum: Top 35.3% in tier
- + ROA 0.03% above tier average
- + Net Interest Margin 0.02% above tier average
- + Strong member growth: 6.5% YoY
- + Asset Growth Rate: Top 2.9% in tier
- + Deposit Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 4.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
268,907
+6.5% YoY-0.0% QoQ
|
-20.8K |
289,724
-2.8% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$5.3B
+17.8% YoY+0.9% QoQ
|
$-461.5M |
$5.8B
+0.2% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$3.3B
+12.3% YoY-0.9% QoQ
|
$-779.2M |
$4.1B
-3.1% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.8% in tier |
| Deposits |
$4.4B
+19.6% YoY+0.9% QoQ
|
$-457.7M |
$4.9B
+2.2% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
0.8%
+11.5% YoY-0.4% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
2.9%
+11.8% YoY+0.6% QoQ
|
+0.0% |
2.9%
+3.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
67.5%
-6.5% YoY+0.8% QoQ
|
-0.6% |
68.1%
-1.7% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.6%
+94.2% YoY-5.2% QoQ
|
-0.1 |
0.6%
-2.2% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
74.6%
-6.1% YoY-1.7% QoQ
|
-9.1% |
83.6%
-5.7% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$28,760
+9.3% YoY+0.2% QoQ
|
$-6K |
$34,398
+4.0% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
39.1%
+8.4% YoY+3.0% QoQ
|
+10.3% |
28.9%
-1.3% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
83% |
| Indirect Auto % |
11.0%
-20.2% YoY-2.8% QoQ
|
-5.6% |
16.6%
-10.3% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
38% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)