BlastPoint's Credit Union Scorecard

BRISTOL VA SCHOOL SYSTEM

Charter #11567 · VA

<100M

2508 CUs in <100M nationally 48 in VA

BRISTOL VA SCHOOL SYSTEM faces 8 concerns requiring attention

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.77% below tier average
- Efficiency ratio 24.65% above tier (higher cost structure)
- Delinquency rate 7.91% above tier average
- Total Assets: Bottom 1.3% in tier
- Total Deposits: Bottom 1.5% in tier
- Total Loans: Bottom 2.0% in tier
- Average Member Relationship (AMR): Bottom 2.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	135 +3.1% YoY+1.5% QoQ	-2.5K	2,676 +1.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	Bottom 2.4% in tier
Assets	$230,925 -1.2% YoY+8.6% QoQ	$-30.0M	$30.2M +1.3% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Bottom 1.3% in tier
Loans	$43,848 -6.6% YoY-15.6% QoQ	$-15.2M	$15.3M -2.0% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	Bottom 1.9% in tier
Deposits	$186,279 -1.3% YoY+11.2% QoQ	$-25.6M	$25.8M +0.7% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	Bottom 1.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.6% -67.6% YoY+100.3% QoQ	-0.8%	0.1% -77.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Bottom 11.9% in tier
NIM	3.9% -2.3% YoY-13.3% QoQ	-0.1%	4.0% +4.0% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	115.3% -21.7% YoY+8.1% QoQ	+24.6%	90.6% +6.5% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Bottom 7.1% in tier
Delinquency Rate	9.4% +56.5% YoY+15.0% QoQ	+7.9	1.5% +3.8% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	Bottom 2.6% in tier
Loan To Share	23.5% -5.3% YoY-24.0% QoQ	-35.0%	58.5% -3.0% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	Bottom 6.5% in tier
AMR	$1,705 -5.3% YoY+3.3% QoQ	$-13K	$14,884 -1.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	Bottom 2.0% in tier
CD Concentration	0.0%	-24.3%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

291

Member Growth Rate

growth

Value: 3.05%

Peer Median: -1.37%

#291 of 2508 Top 11.6% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

621

Net Worth Ratio

risk

Value: 19.27%

Peer Median: 14.28%

#621 of 2508 Top 24.7% in <100M tier

Top Weaknesses (13 metrics)

2476

Total Assets

balance_sheet

Value: $230,925

Peer Median: $21.86M

#2476 of 2508 Bottom 1.3% in <100M tier

2472

Total Deposits

balance_sheet

Value: $186,279

Peer Median: $18.77M

#2472 of 2508 Bottom 1.5% in <100M tier

2460

Total Loans

balance_sheet

Value: $43,848

Peer Median: $9.48M

#2460 of 2508 Bottom 2.0% in <100M tier

2457

Average Member Relationship (AMR)

engagement

Value: $1,705

Peer Median: $13,926

#2457 of 2508 Bottom 2.1% in <100M tier

2450

Loan-to-Member Ratio (LMR)

engagement

Value: $324.80

Peer Median: $4,923

#2450 of 2508 Bottom 2.4% in <100M tier

2446

Total Members

engagement

Value: 135

Peer Median: 1,918

#2446 of 2508 Bottom 2.5% in <100M tier

2444

Total Delinquency Rate (60+ days)

risk

Value: 9.41%

Peer Median: 0.65%

#2444 of 2508 Bottom 2.6% in <100M tier

2344

Loan-to-Share Ratio

balance_sheet

Value: 23.54%

Peer Median: 58.72%

#2344 of 2508 Bottom 6.6% in <100M tier

2332

Efficiency Ratio

profitability

Value: 115.28%

Peer Median: 81.45%

#2332 of 2508 Bottom 7.1% in <100M tier

2285

Members Per Employee (MPE)

engagement

Value: 135.000

Peer Median: 333.750

#2285 of 2508 Bottom 8.9% in <100M tier