BlastPoint's Credit Union Scorecard
CHARTWAY
Charter #13242 · VA
CHARTWAY has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 29.7% in tier
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.4% in tier
- - Indirect Auto Dependency: Bottom 51.3% in tier
- - Stagnation Risk: Bottom 90.5% in tier
- - Membership Headwinds: Bottom 90.5% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 0.80% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Member decline: -3.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
260,806
-3.4% YoY-1.7% QoQ
|
+40.4K |
220,435
-7.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$3.3B
+4.8% YoY+1.9% QoQ
|
$-621.9M |
$3.9B
-1.5% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$2.7B
+0.7% YoY-1.9% QoQ
|
$-213.4M |
$2.9B
-1.1% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$2.9B
+2.7% YoY+2.7% QoQ
|
$-370.3M |
$3.3B
-2.5% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
0.4%
+45.4% YoY+9.8% QoQ
|
-0.3% |
0.7%
+10.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
3.6%
+1.7% YoY+0.7% QoQ
|
+0.4% |
3.2%
+4.6% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
72.1%
-4.2% YoY-4.5% QoQ
|
+0.8% |
71.3%
-2.6% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
1.2%
-9.0% YoY+3.0% QoQ
|
+0.4 |
0.7%
+9.2% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
91.5%
-1.9% YoY-4.5% QoQ
|
+3.5% |
88.0%
+0.9% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$21,500
+5.4% YoY+2.1% QoQ
|
$-9K |
$30,672
+5.5% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
30.6%
+4.5% YoY-0.4% QoQ
|
+1.7% | 28.8% | 18.0% | 19.8% | 59% |
| Indirect Auto % |
33.8%
-17.6% YoY-3.3% QoQ
|
+15.7% | 18.1% | 9.4% | 7.7% | 82% |
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)