BlastPoint's Credit Union Scorecard
CHARTWAY
Charter #13242 · VA
CHARTWAY has 3 strengths but faces 7 concerns
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How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.7% in tier
- + Net Interest Margin 0.39% above tier average
- + Strong member growth: 5.2% YoY
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.5% in tier
- - Indirect Auto Dependency: Bottom 8.4% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 4.62% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
- - Net Worth Ratio: Bottom 6.6% in tier
- - Total Assets: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
270,071
+5.2% YoY0% QoQ
|
+31.6K |
238,465
+0.6% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$3.2B
+7.5% YoY+2.1% QoQ
|
$-766.9M |
$4.0B
-0.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.6% in tier |
| Loans |
$2.8B
+13.2% YoY+2.4% QoQ
|
$-266.7M |
$3.0B
+3.3% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$2.8B
+3.7% YoY-0.4% QoQ
|
$-541.4M |
$3.3B
+1.1% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.2% in tier |
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| ROA |
0.4%
-30.3% YoY+29.9% QoQ
|
-0.4% |
0.7%
+5.3% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.5% in tier |
| NIM |
3.6%
-0.2% YoY+0.6% QoQ
|
+0.4% |
3.2%
+13.7% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
75.9%
+10.8% YoY-1.2% QoQ
|
+4.6% |
71.3%
-0.6% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
1.2%
-6.7% YoY-6.0% QoQ
|
+0.4 |
0.8%
+15.9% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
98.6%
+9.2% YoY+2.8% QoQ
|
+7.7% |
90.8%
+2.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$20,528
+2.9% YoY+0.9% QoQ
|
$-9K |
$29,088
+0.1% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
30.1%
+5.2% YoY+3.4% QoQ
|
+1.1% |
29.0%
+0.7% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
56% |
| Indirect Auto % |
36.3%
-19.2% YoY-7.1% QoQ
|
+17.5% |
18.8%
-3.0% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
84% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)