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
- + Net Interest Margin 0.58% above tier average
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 24.10% above tier (higher cost structure)
- - Delinquency rate 6.62% above tier average
- - Total Assets: Bottom 1.3% in tier
- - Total Deposits: Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Total Loans: Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
133
+3.1% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 2.4% in tier |
| Assets |
$212,591
-13.9% YoY+0.7% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.2% in tier |
| Loans |
$51,935
-7.4% YoY+16.9% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.1% in tier |
| Deposits |
$167,584
-16.5% YoY+0.8% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.4% in tier |
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| ROA |
-0.3%
-62.5% YoY-38.4% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.8% in tier |
| NIM |
4.5%
+42.0% YoY+0.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
106.7%
-14.7% YoY-3.8% QoQ
|
+24.1% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.4% in tier |
| Delinquency Rate |
8.2%
+62.5% YoY-24.2% QoQ
|
+6.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.8% in tier |
| Loan To Share |
31.0%
+10.9% YoY+16.0% QoQ
|
-29.6% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.0% in tier |
| AMR |
$1,651
-17.1% YoY+4.2% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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)