BlastPoint's Credit Union Scorecard

CHARTWAY

Charter #13242 · VA

Mid-Market 3B-5B

Chartway at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Chartway is one of 101 credit unions in the 2026 VentureTech card set. We also found Chartway's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Chartway

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CHARTWAY
PEER · AT VENTURETECH
PEER · AT VENTURETECH
CHARTWAY'S BIGGEST OPPORTUNITY

77 CUs in 3B-5B nationally 2 in VA

View Mid-Market leaderboard →

CHARTWAY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VA Analysis

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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#49 of 125 • Top 13.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.51%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#21 of 86 • Bottom 94.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.54%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.93%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.15%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Membership Headwinds

decline

#22 of 86 • Bottom 94.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.54%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#78 of 193 • Bottom 70.7% in tier

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

Why This Signature

Asset Growth (YoY): 2.91%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 31.94%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -4.54%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#126 of 168 • Bottom 27.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.72%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 2.93%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 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 77 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 8.51%

Peer Median: 3.17%

#7 of 77 Top 7.8% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 3.75%

Peer Median: 3.28%

#13 of 77 Top 15.6% in 3B-5B tier

Total Members

engagement

Value: 257,809

Peer Median: 211,695

#20 of 77 Top 24.7% in 3B-5B tier

Top Weaknesses (9 metrics)

Member Growth Rate

growth

Value: -4.54%

Peer Median: 3.08%

#71 of 77 Bottom 9.1% in 3B-5B tier

Net Worth Ratio

risk

Value: 8.37%

Peer Median: 10.81%

#70 of 77 Bottom 10.4% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $22,070

Peer Median: $28,880

#69 of 77 Bottom 11.7% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,735

Peer Median: $13,282

#66 of 77 Bottom 15.6% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.40%

Peer Median: 0.94%

#65 of 77 Bottom 16.9% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.23B

Peer Median: $3.97B

#65 of 77 Bottom 16.9% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.15%

Peer Median: 0.63%

#64 of 77 Bottom 18.2% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.85%

Peer Median: 0.47%

#60 of 77 Bottom 23.4% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 31.94%

Peer Median: 18.00%

#60 of 77 Bottom 23.4% in 3B-5B tier