BlastPoint's Credit Union Scorecard

ABNB

Charter #13605 · VA

Community 750M-1B

117 CUs in 750M-1B nationally 1 in VA

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ABNB has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 20.3% in tier
+ Net Interest Margin 0.17% above tier average
+ Total Loans: Top 6.0% in tier
+ Total Members: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.9% in tier
- Membership Headwinds: Bottom 64.8% in tier
- Stagnation Risk: Bottom 64.8% in tier
- ROA 0.83% below tier average
- Efficiency ratio 16.00% above tier (higher cost structure)
- Net Worth Ratio: Bottom 5.1% in tier
- Net Charge-Off Rate: Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	75,639 -1.2% YoY+0.0% QoQ	+24.1K	51,500 +0.7% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	Top 6.8% in tier
Assets	$947.8M +5.7% YoY-1.0% QoQ	+$82.1M	$865.6M +0.9% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	83%
Loans	$744.0M +7.6% YoY-2.3% QoQ	+$148.7M	$595.3M +1.6% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	Top 6.8% in tier
Deposits	$830.5M +4.3% YoY+0.2% QoQ	+$88.3M	$742.2M +0.6% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	85%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -164.8% QoQ	-0.8%	0.8% +45.0% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Bottom 3.4% in tier
NIM	3.6% -4.7% YoY+2.5% QoQ	+0.2%	3.5% +6.1% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	91.5% +8.0% YoY+12.2% QoQ	+16.0%	75.5% -3.4% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Bottom 4.3% in tier
Delinquency Rate	0.6% -23.2% YoY-17.3% QoQ	+0.0	0.7% -0.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	56%
Loan To Share	89.6% +3.1% YoY-2.5% QoQ	+9.0%	80.6% +0.7% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	74%
AMR	$20,816 +7.1% YoY-1.0% QoQ	$-8K	$28,908 +0.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	Bottom 14.5% in tier
CD Concentration	29.8% +8.1% YoY-0.5% QoQ	+5.5%	24.3%	18.0%	19.8%	71%
Indirect Auto %	13.8% -42.9% YoY-10.9% QoQ	+0.0%	13.8%	9.4%	7.7%	60%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#271 of 491 • Top 20.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.07%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk

#22 of 596 • Bottom 10.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.54%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#470 of 570 • Bottom 64.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#512 of 570 • Bottom 64.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 7.56%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.63%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $743.99M

Peer Median: $618.21M

#8 of 117 Top 6.0% in 750M-1B tier

Total Members

engagement

Value: 75,639

Peer Median: 51,712

#8 of 117 Top 6.0% in 750M-1B tier

Total Deposits

balance_sheet

Value: $830.53M

Peer Median: $735.65M

#18 of 117 Top 14.5% in 750M-1B tier

Total Assets

balance_sheet

Value: $947.78M

Peer Median: $858.87M

#20 of 117 Top 16.2% in 750M-1B tier

AMR Growth Rate

growth

Value: 7.07%

Peer Median: 3.70%

#27 of 117 Top 22.2% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 89.58%

Peer Median: 84.41%

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (5 metrics)

113

Return on Assets (ROA)

profitability

Value: -0.07%

Peer Median: 0.63%

#113 of 117 Bottom 4.3% in 750M-1B tier

113

Efficiency Ratio

profitability

Value: 91.54%

Peer Median: 77.38%

#113 of 117 Bottom 4.3% in 750M-1B tier

112

Net Worth Ratio

risk

Value: 7.64%

Peer Median: 10.69%

#112 of 117 Bottom 5.1% in 750M-1B tier

110

Net Charge-Off Rate

risk

Value: 1.63%

Peer Median: 0.47%

#110 of 117 Bottom 6.8% in 750M-1B tier

100

Average Member Relationship (AMR)

engagement

Value: $20,816

Peer Median: $26,209

#100 of 117 Bottom 15.4% in 750M-1B tier