BlastPoint's Credit Union Scorecard
BRISTOL VA SCHOOL SYSTEM
Charter #11567 · VA
BRISTOL VA SCHOOL SYSTEM has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 51.86% above tier (higher cost structure)
- - Delinquency rate 7.27% above tier average
- - Total Deposits: Bottom 1.1% in tier
- - Total Assets: Bottom 1.2% in tier
- - Total Loans: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Total Members: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -9.9% year over year ($167K in shares and deposits).
- Membership: 130 members, +0.0% vs a year ago.
- Delinquency rate 8.82%.
- Return on assets 1.67%.
- Efficiency ratio 140.63% vs a 88.77% peer average.
- Loan-to-share ratio 24.38% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130
0% YoY-3.7% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 2.1% in tier |
| Assets |
$210,142
-8.2% YoY-9.0% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.2% in tier |
| Loans |
$40,709
-12.6% YoY-7.2% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.7% in tier |
| Deposits |
$166,974
-9.9% YoY-10.4% QoQ
|
$-25.6M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.1% in tier |
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| ROA |
1.7%
-187.2% YoY-368.5% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
4.0%
+12.2% YoY+1.2% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
140.6%
-8.0% YoY+22.0% QoQ
|
+51.9% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
8.8%
-18.9% YoY-6.3% QoQ
|
+7.3 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
24.4%
-3.0% YoY+3.6% QoQ
|
-34.5% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.0% in tier |
| AMR |
$1,598
-10.5% YoY-6.3% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.7% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)