BlastPoint's Credit Union Scorecard
POLY SCIENTIFIC EMPLOYEES
Charter #13544 · VA
POLY SCIENTIFIC EMPLOYEES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Delinquency rate 4.01% above tier average
- - Fee Income Per Member: Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
- - Loan Growth Rate: Bottom 7.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -6.9% year over year ($4.0M in shares and deposits).
- Membership: 694 members, -0.9% vs a year ago.
- Delinquency rate 5.56%.
- Return on assets 0.43%.
- Efficiency ratio 74.30% vs a 88.77% peer average.
- Loan-to-share ratio 62.47% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
694
-0.9% YoY-0.3% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$5.5M
-4.4% YoY-2.1% QoQ
|
$-24.8M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$2.5M
-18.7% YoY-5.4% QoQ
|
$-12.9M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
21% |
| Deposits |
$4.0M
-6.9% YoY-2.9% QoQ
|
$-21.8M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.4%
-159.1% YoY-14.8% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
3.7%
-5.8% YoY+0.8% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
74.3%
-0.2% YoY+0.2% QoQ
|
-14.5% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
5.6%
-5.3% YoY+18.9% QoQ
|
+4.0 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.7% in tier |
| Loan To Share |
62.5%
-12.7% YoY-2.6% QoQ
|
+3.6% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$9,477
-11.1% YoY-3.6% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 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)