BlastPoint's Credit Union Scorecard
BRISTOL VA SCHOOL SYSTEM
Charter #11567 · VA
2596 CUs in <100M nationally
49 in VA
BRISTOL VA SCHOOL SYSTEM has 7 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.58% above tier average
- + Strong member growth: 7.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 5.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 29.50% above tier (higher cost structure)
- - Delinquency rate 9.28% above tier average
- - Total Assets: Bottom 1.2% in tier
- - AMR Growth Rate: Bottom 1.4% in tier
- - Total Deposits: Bottom 1.4% in tier
- - Asset Growth Rate: Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.6% in tier
- - Total Loans: Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 2.1% in tier
- - Total Members: Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- - Loan-to-Share Ratio: Bottom 7.6% in tier
- - Members Per Employee (MPE): Bottom 8.4% in tier
- - Fee Income Per Member: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
133
+7.3% YoY+2.3% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 2.4% in tier |
| Assets |
$211,098
-17.7% YoY-7.8% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.2% in tier |
| Loans |
$44,417
-12.5% YoY-4.7% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.0% in tier |
| Deposits |
$166,262
-21.0% YoY-10.3% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.3% in tier |
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| ROA |
-0.5%
+136.3% YoY-73.7% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.9% in tier |
| NIM |
4.5%
+50.3% YoY+27.4% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
110.9%
+3.7% YoY-27.5% QoQ
|
+29.5% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
10.8%
+94.2% YoY-0.7% QoQ
|
+9.3 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 2.1% in tier |
| Loan To Share |
26.7%
+10.7% YoY+6.3% QoQ
|
-34.5% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.4% in tier |
| AMR |
$1,584
-24.8% YoY-11.2% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
130
Member Growth Rate
growth
Value:
7.26%
Peer Avg: -
#130 of 2596
Top 5.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
484
Net Worth Ratio
risk
Value:
21.16%
Peer Avg: -
#484 of 2596
Top 18.6% in <100M tier
Top Weaknesses (16 metrics)
2566
Total Assets
balance_sheet
Value:
$211,098
Peer Avg: -
#2566 of 2596
Bottom 1.2% in <100M tier
2561
AMR Growth Rate
growth
Value:
-24.83%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2561
Total Deposits
balance_sheet
Value:
$166,262
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2560
Asset Growth Rate
growth
Value:
-17.67%
Peer Avg: -
#2560 of 2596
Bottom 1.4% in <100M tier
2556
Deposit Growth Rate
growth
Value:
-21.02%
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2544
Total Loans
balance_sheet
Value:
$44,417
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2543
Total Delinquency Rate (60+ days)
risk
Value:
10.79%
Peer Avg: -
#2543 of 2596
Bottom 2.1% in <100M tier
2543
Average Member Relationship (AMR)
engagement
Value:
$1,584
Peer Avg: -
#2543 of 2596
Bottom 2.1% in <100M tier
2534
Total Members
engagement
Value:
133
Peer Avg: -
#2534 of 2596
Bottom 2.4% in <100M tier
2530
Loan-to-Member Ratio (LMR)
engagement
Value:
$333.96
Peer Avg: -
#2530 of 2596
Bottom 2.6% in <100M tier