BlastPoint's Credit Union Scorecard
ABNB
Charter #13605 · VA
ABNB has 7 strengths 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
- + Wallet Share Momentum: Top 11.5% in tier
- + Net Interest Margin 0.14% above tier average
- + Loan Growth Rate: Top 3.4% in tier
- + Total Loans: Top 3.4% in tier
- + Asset Growth Rate: Top 6.0% in tier
- + AMR Growth Rate: Top 6.8% in tier
- + Total Members: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 47.9% in tier
- - Liquidity Strain: Bottom 48.9% in tier
- - Efficiency Drag: Bottom 55.7% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 7.21% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,628
-0.3% YoY-1.1% QoQ
|
+23.5K |
52,084
-1.6% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 7.7% in tier |
| Assets |
$956.9M
+14.6% YoY-1.2% QoQ
|
+$93.0M |
$863.9M
+0.5% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$761.3M
+19.0% YoY-2.0% QoQ
|
+$155.5M |
$605.8M
+1.4% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 4.3% in tier |
| Deposits |
$828.9M
+9.8% YoY+1.7% QoQ
|
+$91.6M |
$737.3M
+0.1% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 13.7% in tier |
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| ROA |
0.1%
-70.1% YoY-10.2% QoQ
|
-0.6% |
0.7%
+39.1% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.4% in tier |
| NIM |
3.5%
-7.0% YoY+0.2% QoQ
|
+0.1% |
3.4%
+8.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
81.6%
+3.5% YoY+1.4% QoQ
|
+7.2% |
74.3%
-3.6% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.8%
-22.9% YoY-19.8% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
91.8%
+8.4% YoY-3.6% QoQ
|
+9.3% |
82.6%
+1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$21,027
+14.3% YoY+1.0% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
29.9%
-0.3% YoY-0.4% QoQ
|
+5.5% | 24.4% | 18.3% | 19.8% | 71% |
| Indirect Auto % |
15.5%
-46.5% YoY-9.5% QoQ
|
+1.7% | 13.8% | 9.6% | 7.8% | 63% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)