BlastPoint's Credit Union Scorecard

LANGLEY

Charter #1261 · VA

Large 5B-7B

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

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LANGLEY has 3 strengths but faces 7 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 66.7% in tier
+ Net Interest Margin 0.05% above tier average
+ Total Members: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 25.8% in tier
- Credit Quality Pressure: Bottom 31.2% in tier
- Credit Risk Growth: Bottom 82.8% in tier
- Indirect Auto Dependency: Bottom 89.1% in tier
- Shrinking Wallet Share: Bottom 93.8% in tier
- ROA 0.17% below tier average
- Delinquency rate 0.54% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in Virginia.
Shares and deposits +0.1% year over year ($4.83B in shares and deposits).
Membership: 408,716 members, +3.0% vs a year ago.
Delinquency rate 1.32%.
Return on assets 0.76%.
Efficiency ratio 59.27% vs a 65.18% peer average.
Loan-to-share ratio 95.08% vs a 85.64% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	408,716 +3.0% YoY+0.8% QoQ	+97.8K	310,918 +6.0% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	Top 7.7% in tier
Assets	$5.6B +0.8% YoY-0.9% QoQ	$-165.4M	$5.8B -1.1% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	46%
Loans	$4.6B +0.9% YoY+0.9% QoQ	+$391.8M	$4.2B -0.7% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	69%
Deposits	$4.8B +0.1% YoY-1.4% QoQ	$-65.3M	$4.9B -1.3% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	51%

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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	0.8% +107.8% YoY+27.2% QoQ	-0.2%	0.9% +35.3% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	36%
NIM	3.3% +5.8% YoY+2.9% QoQ	+0.1%	3.2% +9.5% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	51%
Efficiency Ratio	59.3% -9.8% YoY-5.5% QoQ	-5.9%	65.2% -9.0% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	20%
Delinquency Rate	1.3% +10.3% YoY+15.2% QoQ	+0.5	0.8% +23.8% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	Bottom 12.8% in tier
Loan To Share	95.1% +0.9% YoY+2.3% QoQ	+9.4%	85.6% -0.2% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	77%
AMR	$23,052 -2.5% YoY-1.2% QoQ	$-9K	$32,010 -7.3% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	15%
CD Concentration	35.6% -9.9% YoY-3.1% QoQ	+7.3%	28.3%	18.0%	20.0%	83%
Indirect Auto %	32.7% -14.4% YoY-5.0% QoQ	+15.9%	16.8%	9.3%	7.7%	Bottom 13.6% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#15 of 19 • Top 66.7% 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: 0.76%

(Tier: 0.96%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 3.02%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

19 of 67 Large CUs have this signature | 283 nationally

→ Stable (18→19 CUs) +1 CUs YoY | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#5 of 11 • Bottom 93.8% in tier

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

Why This Signature

AMR Growth (YoY): -2.45%

(Tier: 4.16%, National: 35.20%)

worse than tier avg

11 of 67 Large CUs have this signature | 308 nationally

→ Stable (11→11 CUs) | Rank improving

Indirect Auto Dependency

risk

#18 of 35 • Bottom 89.1% in tier

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

Why This Signature

Asset Growth (YoY): 0.77%

(Tier: 8.71%, National: 3.30%)

worse than tier avg

Indirect Auto %: 32.71%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 3.02%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#20 of 33 • Bottom 31.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | New qualifier

Liquidity Strain

risk

#22 of 28 • Bottom 25.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.08%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 0.95%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY

Credit Risk Growth

risk

#25 of 28 • Bottom 82.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.95%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY | New qualifier

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 39 peers in tier

Top Strengths (4 metrics)

Total Members

engagement

Value: 408,716

Peer Median: 303,111

#3 of 39 Top 5.1% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 584.715

Peer Median: 423.198

#5 of 39 Top 10.3% in 5B-7B tier

Efficiency Ratio

profitability

Value: 59.27%

Peer Median: 66.17%

#9 of 39 Top 20.5% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.08%

Peer Median: 89.91%

#9 of 39 Top 20.5% in 5B-7B tier

Top Weaknesses (11 metrics)

Deposit Growth Rate

growth

Value: 0.06%

Peer Median: 6.19%

#36 of 39 Bottom 10.3% in 5B-7B tier

AMR Growth Rate

growth

Value: -2.45%

Peer Median: 2.28%

#36 of 39 Bottom 10.3% in 5B-7B tier

Net Charge-Off Rate

risk

Value: 1.11%

Peer Median: 0.62%

#36 of 39 Bottom 10.3% in 5B-7B tier

Asset Growth Rate

growth

Value: 0.77%

Peer Median: 6.34%

#35 of 39 Bottom 12.8% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.32%

Peer Median: 0.67%

#35 of 39 Bottom 12.8% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 32.71%

Peer Median: 17.30%

#34 of 39 Bottom 15.4% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $23,052

Peer Median: $29,661

#33 of 39 Bottom 17.9% in 5B-7B tier

Loan Growth Rate

growth

Value: 0.95%

Peer Median: 4.22%

#32 of 39 Bottom 20.5% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 35.59%

Peer Median: 29.09%

#32 of 39 Bottom 20.5% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $11,235

Peer Median: $13,956

#32 of 39 Bottom 20.5% in 5B-7B tier