BlastPoint's Credit Union Scorecard

LANGLEY

Charter #1261 · VA

Large 5B-7B

35 CUs in 5B-7B nationally 2 in VA

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LANGLEY has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 98.1% in tier
+ Emerging Performer: Top 100.0% in tier
+ Net Interest Margin 0.09% above tier average
+ Total Members: Top 2.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 32.3% in tier
- Liquidity Strain: Bottom 93.8% in tier
- ROA 0.15% below tier average
- Delinquency rate 0.48% above tier average
- Total Delinquency Rate (60+ days): Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	402,059 +2.7% YoY+0.5% QoQ	+109.7K	292,342 -2.4% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	Top 5.7% in tier
Assets	$5.6B +4.6% YoY+0.7% QoQ	$-97.9M	$5.7B -0.2% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	49%
Loans	$4.5B -0.5% YoY-1.2% QoQ	+$362.9M	$4.2B -1.6% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	71%
Deposits	$4.9B +4.8% YoY+0.5% QoQ	+$16.8M	$4.8B +0.4% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	57%

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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	0.7% +166.6% YoY-4.8% QoQ	-0.2%	0.8% +27.9% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	34%
NIM	3.1% +9.8% YoY+0.5% QoQ	+0.1%	3.0% +8.0% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	54%
Efficiency Ratio	61.2% -11.0% YoY+1.6% QoQ	-6.1%	67.3% -3.7% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	1.3% -14.8% YoY+5.3% QoQ	+0.5	0.8% +17.5% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	Top 8.6% in tier
Loan To Share	93.1% -5.0% YoY-1.7% QoQ	+7.2%	85.9% -2.6% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	63%
AMR	$23,361 -0.5% YoY-0.8% QoQ	$-11K	$34,289 +3.5% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	Bottom 11.4% in tier
CD Concentration	38.6% +0.3% YoY-2.0% QoQ	+9.5%	29.1%	18.3%	19.8%	84%
Indirect Auto %	35.4% -12.7% YoY-4.4% QoQ	+18.3%	17.1%	9.6%	7.8%	Top 11.9% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#53 of 54 • Top 98.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.65%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.66%

(Tier: 0.90%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 35.41%

(Tier: 17.09%, National: 7.78%)

but worse than tier avg

54 of 68 Large CUs have this signature | 913 nationally

→ No prior data (54 CUs now) | New qualifier

Emerging Performer

growth

#20 of 20 • Top 100.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.66%

(Tier: 0.90%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 2.65%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

20 of 68 Large CUs have this signature | 282 nationally

→ No prior data (20 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#12 of 35 • Bottom 32.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.56%

(Tier: 8.38%, National: 3.54%)

worse than tier avg

Indirect Auto %: 35.41%

(Tier: 17.09%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.65%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

35 of 68 Large CUs have this signature | 745 nationally

→ Stable (35→35 CUs) | Rank worsening

Liquidity Strain

risk

#31 of 33 • Bottom 93.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.09%

(Tier: 84.88%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -0.49%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

33 of 68 Large CUs have this signature | 439 nationally

↑ Growing +6 CUs YoY | Rank worsening

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 35 peers in tier

Top Strengths (2 metrics)

Total Members

engagement

Value: 402,059

Peer Median: -

#2 of 35 Top 2.9% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 553.039

Peer Median: -

#5 of 35 Top 11.4% in 5B-7B tier

Top Weaknesses (10 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 1.26%

Peer Median: -

#33 of 35 Bottom 8.6% in 5B-7B tier

Net Charge-Off Rate

risk

Value: 1.15%

Peer Median: -

#32 of 35 Bottom 11.4% in 5B-7B tier

Net Worth Ratio

risk

Value: 8.92%

Peer Median: -

#32 of 35 Bottom 11.4% in 5B-7B tier

Loan Growth Rate

growth

Value: -0.49%

Peer Median: -

#31 of 35 Bottom 14.3% in 5B-7B tier

AMR Growth Rate

growth

Value: -0.48%

Peer Median: -

#31 of 35 Bottom 14.3% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 35.41%

Peer Median: -

#31 of 35 Bottom 14.3% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $23,361

Peer Median: -

#31 of 35 Bottom 14.3% in 5B-7B tier

Fee Income Per Member

profitability

Value: $171.98

Peer Median: -

#29 of 35 Bottom 20.0% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 38.63%

Peer Median: -

#29 of 35 Bottom 20.0% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $11,262

Peer Median: -

#29 of 35 Bottom 20.0% in 5B-7B tier