BlastPoint's Credit Union Scorecard
AUGUSTA COUNTY
Charter #11744 · VA
AUGUSTA COUNTY demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.56% above tier average
- + Efficiency Ratio: Top 4.3% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,379
-1.4% YoY-0.6% QoQ
|
-236 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$25.3M
+6.1% YoY+0.9% QoQ
|
$-4.8M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$9.7M
-2.2% YoY-2.2% QoQ
|
$-6.0M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$18.5M
+4.9% YoY-0.2% QoQ
|
$-7.2M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
2.2%
+58.6% YoY-7.5% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 5.1% in tier |
| NIM |
3.9%
+21.1% YoY-4.2% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
49.8%
-17.6% YoY+3.0% QoQ
|
-32.8% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
1.0%
+80.0% YoY-37.4% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
52.6%
-6.8% YoY-1.9% QoQ
|
-8.0% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$11,874
+3.8% YoY-0.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
27.1%
+2.3% YoY+1.3% QoQ
|
+2.7% | 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)