BlastPoint's Credit Union Scorecard
POLY SCIENTIFIC EMPLOYEES
Charter #13544 · VA
POLY SCIENTIFIC EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Delinquency rate 3.97% above tier average
- - Member decline: -2.9% YoY
- - Fee Income Per Member: Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
695
-2.9% YoY-0.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$5.6M
-3.9% YoY+0.2% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$2.9M
-13.5% YoY-11.3% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$4.1M
-5.5% YoY-0.2% QoQ
|
$-21.5M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.3%
+25.6% YoY-363.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
4.0%
+0.5% YoY+0.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
71.0%
+1.5% YoY+2.3% QoQ
|
-11.6% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
5.5%
+5.5% YoY+12.7% QoQ
|
+4.0 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 5.4% in tier |
| Loan To Share |
69.5%
-8.5% YoY-11.2% QoQ
|
+8.8% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$10,106
-6.2% YoY-4.9% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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)