BlastPoint's Credit Union Scorecard
ABNB
Charter #13605 · VA
ABNB has 2 strengths but faces 8 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
- + Net Interest Margin 0.22% above tier average
- + Total Members: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.9% in tier
- - Shrinking Wallet Share: Bottom 84.1% in tier
- - ROA 0.81% below tier average
- - Efficiency ratio 12.19% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 5.4% in tier
- - Net Charge-Off Rate: Bottom 6.3% in tier
- - Net Worth Ratio: Bottom 7.2% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Virginia.
- Shares and deposits +2.8% year over year ($817M in shares and deposits).
- Membership: 75,907 members, -0.2% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 0.03%.
- Efficiency ratio 86.72% vs a 74.54% peer average.
- Loan-to-share ratio 88.62% vs a 82.60% 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 |
75,907
-0.2% YoY+0.4% QoQ
|
+23.4K |
52,482
+1.3% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 7.2% in tier |
| Assets |
$914.3M
-3.3% YoY-3.5% QoQ
|
+$50.3M |
$863.9M
+0.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$724.4M
-4.7% YoY-2.6% QoQ
|
+$116.6M |
$607.8M
+2.1% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$817.5M
+2.8% YoY-1.6% QoQ
|
+$77.6M |
$739.9M
+0.2% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
0.0%
-148.2% QoQ
|
-0.8% |
0.8%
+30.4% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.8% in tier |
| NIM |
3.7%
+2.8% YoY+3.0% QoQ
|
+0.2% |
3.5%
+6.2% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
86.7%
+4.7% YoY-5.3% QoQ
|
+12.2% |
74.5%
-1.4% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate |
0.6%
-27.3% YoY-3.2% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
88.6%
-7.3% YoY-1.1% QoQ
|
+6.0% |
82.6%
+1.9% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$20,313
-0.7% YoY-2.4% QoQ
|
$-8K |
$28,702
+0.4% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
28.9%
+1.1% YoY-2.8% QoQ
|
+4.4% | 24.6% | 18.0% | 20.0% | 67% |
| Indirect Auto % |
12.2%
-38.0% YoY-11.8% QoQ
|
-1.5% | 13.6% | 9.3% | 7.7% | 58% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)