BlastPoint's Credit Union Scorecard
POLY SCIENTIFIC EMPLOYEES
Charter #13544 · VA
POLY SCIENTIFIC EMPLOYEES has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Charge-Off Rate: Top 9.1% in tier
- + Net Worth Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.17% above tier average
- - Member decline: -2.1% YoY
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
- - Loan Growth Rate: Bottom 8.1% in tier
- - AMR Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
696
-2.1% YoY+0.1% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$5.6M
-4.2% YoY+0.5% QoQ
|
$-24.6M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$2.7M
-18.2% YoY-7.2% QoQ
|
$-12.6M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$4.2M
-6.0% YoY+0.6% QoQ
|
$-21.6M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.5%
+260.5% YoY+84.6% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
3.6%
-10.1% YoY-9.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
74.1%
+7.0% YoY+4.4% QoQ
|
-16.5% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
4.7%
+3.9% YoY-15.4% QoQ
|
+3.2 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.5% in tier |
| Loan To Share |
64.1%
-13.0% YoY-7.7% QoQ
|
+5.6% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$9,829
-9.3% YoY-2.7% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)