BlastPoint's Credit Union Scorecard
CHARTWAY
Charter #13242 · VA
CHARTWAY has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.2% in tier
- + Net Interest Margin 0.52% above tier average
- + AMR Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.7% in tier
- - Indirect Auto Dependency: Bottom 70.7% in tier
- - Stagnation Risk: Bottom 94.4% in tier
- - Membership Headwinds: Bottom 94.4% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 3.71% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Member decline: -4.5% YoY
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Virginia.
- Shares and deposits +4.2% year over year ($2.92B in shares and deposits).
- Membership: 257,809 members, -4.5% vs a year ago.
- Delinquency rate 1.15%.
- Return on assets 0.40%.
- Efficiency ratio 73.16% vs a 69.45% peer average.
- Loan-to-share ratio 94.72% vs a 90.24% 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 |
257,809
-4.5% YoY-1.1% QoQ
|
+41.3K |
216,545
-9.5% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$3.2B
+2.9% YoY-2.0% QoQ
|
$-673.6M |
$3.9B
-1.6% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$2.8B
+2.9% YoY+3.3% QoQ
|
$-163.4M |
$2.9B
-1.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$2.9B
+4.2% YoY-0.2% QoQ
|
$-335.2M |
$3.3B
-2.6% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.4%
+44.7% YoY-10.5% QoQ
|
-0.5% |
0.9%
+25.3% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
3.8%
+5.1% YoY+3.2% QoQ
|
+0.5% |
3.2%
+3.8% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
73.2%
-4.7% YoY+1.5% QoQ
|
+3.7% |
69.5%
-2.3% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
1.2%
-11.8% YoY-3.1% QoQ
|
+0.3 |
0.8%
+5.5% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
94.7%
-1.2% YoY+3.5% QoQ
|
+4.5% |
90.2%
+0.9% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$22,070
+8.5% YoY+2.6% QoQ
|
$-9K |
$31,018
+6.9% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.4% in tier |
| CD Concentration |
30.1%
+3.4% YoY-1.5% QoQ
|
+1.0% | 29.1% | 18.0% | 20.0% | 56% |
| Indirect Auto % |
31.9%
-18.2% YoY-5.4% QoQ
|
+13.9% | 18.1% | 9.3% | 7.7% | 80% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
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)