BlastPoint's Credit Union Scorecard

LANGLEY

Charter #1261 · VA

Large 5B-7B

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

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LANGLEY has 2 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

+ Emerging Performer: Top 69.7% in tier
+ Total Members: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 28.8% in tier
- Indirect Auto Dependency: Bottom 76.6% in tier
- Shrinking Wallet Share: Bottom 85.9% in tier
- ROA 0.26% below tier average
- Delinquency rate 0.45% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	405,305 +2.5% YoY+0.8% QoQ	+97.5K	307,793 +7.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	Top 8.1% in tier
Assets	$5.7B +2.7% YoY+0.5% QoQ	$-92.9M	$5.8B -0.2% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	49%
Loans	$4.6B +0.2% YoY+0.6% QoQ	+$398.3M	$4.2B +0.4% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	68%
Deposits	$4.9B +2.7% YoY+0.7% QoQ	+$4.9M	$4.9B +0.2% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	60%

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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% +286.7% YoY-10.0% QoQ	-0.3%	0.9% +47.0% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	35%
NIM	3.2% +3.3% YoY+1.2% QoQ	+0.0%	3.2% +9.8% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	51%
Efficiency Ratio	62.7% -8.7% YoY+2.4% QoQ	-3.9%	66.6% -11.0% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	1.1% -0.2% YoY-8.9% QoQ	+0.4	0.7% +23.3% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	Bottom 10.8% in tier
Loan To Share	92.9% -2.4% YoY-0.2% QoQ	+8.2%	84.7% -0.7% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	70%
AMR	$23,325 -1.0% YoY-0.2% QoQ	$-9K	$32,237 -7.3% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	Bottom 13.5% in tier
CD Concentration	36.7% -3.4% YoY-4.9% QoQ	+8.1%	28.6%	18.0%	19.8%	80%
Indirect Auto %	34.4% -13.3% YoY-2.8% QoQ	+18.1%	16.4%	9.4%	7.7%	Bottom 12.1% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#15 of 18 • Top 69.7% 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: 0.60%

(Tier: 0.90%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.50%

(Tier: 4.32%, National: 10.19%)

but worse than tier avg

18 of 66 Large CUs have this signature | 260 nationally

→ No prior data (18 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#18 of 34 • Bottom 76.6% in tier

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

Why This Signature

Asset Growth (YoY): 2.73%

(Tier: 8.53%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 34.42%

(Tier: 16.37%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.50%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

34 of 66 Large CUs have this signature | 745 nationally

→ Stable (34→34 CUs) | Rank worsening

Shrinking Wallet Share

decline

#10 of 13 • Bottom 85.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.01%

(Tier: 4.10%, National: 6.36%)

worse than tier avg

13 of 66 Large CUs have this signature | 335 nationally

→ Stable (14→13 CUs) -1 CUs YoY | Rank worsening

Liquidity Strain

risk

#23 of 26 • Bottom 28.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.91%

(Tier: 82.82%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.19%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

26 of 66 Large CUs have this signature | 367 nationally

→ Stable (27→26 CUs) -1 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 37 peers in tier

Top Strengths (2 metrics)

Total Members

engagement

Value: 405,305

Peer Median: 298,815

#3 of 37 Top 5.4% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 563.707

Peer Median: 416.780

#6 of 37 Top 13.5% in 5B-7B tier

Top Weaknesses (11 metrics)

AMR Growth Rate

growth

Value: -1.01%

Peer Median: 2.98%

#34 of 37 Bottom 10.8% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.15%

Peer Median: 0.65%

#34 of 37 Bottom 10.8% in 5B-7B tier

Net Worth Ratio

risk

Value: 9.01%

Peer Median: 10.38%

#33 of 37 Bottom 13.5% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 34.42%

Peer Median: 16.71%

#33 of 37 Bottom 13.5% in 5B-7B tier

Loan Growth Rate

growth

Value: 0.19%

Peer Median: 4.82%

#32 of 37 Bottom 16.2% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $23,325

Peer Median: $29,948

#32 of 37 Bottom 16.2% in 5B-7B tier

Deposit Growth Rate

growth

Value: 2.67%

Peer Median: 7.47%

#31 of 37 Bottom 18.9% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $11,234

Peer Median: $13,954

#31 of 37 Bottom 18.9% in 5B-7B tier

Fee Income Per Member

profitability

Value: $148.36

Peer Median: $194.06

#30 of 37 Bottom 21.6% in 5B-7B tier

Asset Growth Rate

growth

Value: 2.73%

Peer Median: 7.02%

#30 of 37 Bottom 21.6% in 5B-7B tier