BlastPoint's Credit Union Scorecard
CHARTWAY
Charter #13242 · VA
CHARTWAY has 1 strength but faces 6 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
- + Net Interest Margin 0.47% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 25.6% in tier
- - Liquidity Strain: Bottom 59.4% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 4.07% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Net Worth Ratio: Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
265,212
+0.1% YoY-1.8% QoQ
|
+34.9K |
230,353
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$3.2B
+5.4% YoY+0.9% QoQ
|
$-708.1M |
$3.9B
+0.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.8% in tier |
| Loans |
$2.7B
+4.8% YoY-0.7% QoQ
|
$-202.3M |
$2.9B
-0.2% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$2.9B
+2.8% YoY+2.1% QoQ
|
$-460.2M |
$3.3B
-0.3% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.4%
-16.2% YoY+13.3% QoQ
|
-0.3% |
0.7%
+16.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.6%
+1.1% YoY+0.5% QoQ
|
+0.5% |
3.1%
+9.8% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
75.5%
+10.1% YoY-0.5% QoQ
|
+4.1% |
71.4%
-1.4% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
1.2%
-30.8% YoY-5.9% QoQ
|
+0.3 |
0.9%
+5.8% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
95.9%
+2.0% YoY-2.8% QoQ
|
+7.0% |
88.9%
-0.2% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$21,053
+3.6% YoY+2.6% QoQ
|
$-9K |
$29,682
+1.5% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.8% in tier |
| CD Concentration |
30.7%
+5.8% YoY+2.0% QoQ
|
+1.7% | 29.0% | 18.3% | 19.8% | 58% |
| Indirect Auto % |
34.9%
-19.0% YoY-3.7% QoQ
|
+16.6% | 18.3% | 9.6% | 7.8% | 84% |
Signature Analysis
Strengths (0)
Concerns (2)
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)