BlastPoint's Credit Union Scorecard
APPLE
Charter #11307 · VA
APPLE has 10 strengths but faces 3 concerns
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
- + Organic Growth Leader: Top 7.1% in tier
- + Organic Growth Engine: Top 24.5% in tier
- + Wallet Share Momentum: Top 31.6% in tier
- + Emerging Performer: Top 47.4% in tier
- + ROA 0.03% above tier average
- + Strong member growth: 5.6% YoY
- + Asset Growth Rate: Top 5.7% in tier
- + Deposit Growth Rate: Top 5.7% in tier
- + Loan Growth Rate: Top 8.6% in tier
- + AMR Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 63.3% in tier
- - Credit Quality Pressure: Bottom 97.2% in tier
- - Total Loans: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
266,924
+5.6% YoY-0.7% QoQ
|
-25.4K |
292,342
-2.4% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$5.4B
+17.8% YoY+2.0% QoQ
|
$-303.0M |
$5.7B
-0.2% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$3.3B
+13.0% YoY+0.8% QoQ
|
$-835.5M |
$4.2B
-1.6% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.7% in tier |
| Deposits |
$4.5B
+18.7% YoY+2.2% QoQ
|
$-318.7M |
$4.8B
+0.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.8%
+11.4% YoY+1.0% QoQ
|
+0.0% |
0.8%
+27.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
2.9%
+11.9% YoY-0.3% QoQ
|
-0.1% |
3.0%
+8.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
66.1%
-5.8% YoY-2.0% QoQ
|
-1.2% |
67.3%
-3.7% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.6%
+0.6% YoY+7.6% QoQ
|
-0.2 |
0.8%
+17.5% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
73.5%
-4.9% YoY-1.4% QoQ
|
-12.4% |
85.9%
-2.6% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.3% in tier |
| AMR |
$29,441
+10.0% YoY+2.4% QoQ
|
$-5K |
$34,289
+3.5% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
39.8%
+7.3% YoY+1.8% QoQ
|
+10.7% | 29.1% | 18.3% | 19.8% | Top 14.9% in tier |
| Indirect Auto % |
10.7%
-21.7% YoY-3.0% QoQ
|
-6.4% | 17.1% | 9.6% | 7.8% | 33% |
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)
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)