BlastPoint's Credit Union Scorecard
LANGLEY
Charter #1261 · VA
LANGLEY has 4 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.7% in tier
- + Emerging Performer: Top 55.0% in tier
- + Net Interest Margin 0.21% above tier average
- + Total Members: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.1% in tier
- - Liquidity Strain: Bottom 28.2% in tier
- - Shrinking Wallet Share: Bottom 29.2% in tier
- - ROA 0.11% below tier average
- - Delinquency rate 0.57% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Net Charge-Off Rate: Bottom 5.9% in tier
- - Indirect Auto Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
400,170
+4.0% YoY+0.9% QoQ
|
+110.4K |
289,724
-2.8% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 5.9% in tier |
| Assets |
$5.6B
+4.6% YoY+0.4% QoQ
|
$-188.3M |
$5.8B
+0.2% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$4.6B
+1.6% YoY+0.7% QoQ
|
+$499.9M |
$4.1B
-3.1% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$4.8B
+5.0% YoY+0.3% QoQ
|
$-49.0M |
$4.9B
+2.2% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
0.7%
+123.6% YoY+90.6% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
3.1%
+10.9% YoY+1.1% QoQ
|
+0.2% |
2.9%
+3.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
60.2%
-10.6% YoY-8.4% QoQ
|
-7.9% |
68.1%
-1.7% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
1.2%
-13.2% YoY-0.3% QoQ
|
+0.6 |
0.6%
-2.2% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 5.9% in tier |
| Loan To Share |
94.7%
-3.2% YoY+0.5% QoQ
|
+11.1% |
83.6%
-5.7% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$23,544
-0.6% YoY-0.4% QoQ
|
$-11K |
$34,398
+4.0% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.8% in tier |
| CD Concentration |
39.4%
+1.1% YoY-0.2% QoQ
|
+10.6% |
28.9%
-1.3% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
84% |
| Indirect Auto % |
37.0%
-8.8% YoY-3.2% QoQ
|
+20.4% |
16.6%
-10.3% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Top 9.4% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)