BlastPoint's Credit Union Scorecard
ABNB
Charter #13605 · VA
ABNB has 8 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.8% in tier
- + Net Interest Margin 0.15% above tier average
- + Loan Growth Rate: Top 0.9% in tier
- + Total Loans: Top 3.6% in tier
- + AMR Growth Rate: Top 4.5% in tier
- + Asset Growth Rate: Top 5.4% in tier
- + Total Assets: Top 5.4% in tier
- + Total Members: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.2% in tier
- - Credit Risk Growth: Bottom 9.1% in tier
- - Indirect Auto Dependency: Bottom 12.7% in tier
- - Efficiency Drag: Bottom 20.0% in tier
- - Credit Quality Pressure: Bottom 22.8% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 5.92% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Net Worth Ratio: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
76,485
-0.1% YoY+0.6% QoQ
|
+24.4K |
52,114
-2.1% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 7.1% in tier |
| Assets |
$968.6M
+14.6% YoY+2.4% QoQ
|
+$109.6M |
$859.0M
+0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 6.2% in tier |
| Loans |
$777.0M
+19.6% YoY+2.3% QoQ
|
+$173.6M |
$603.4M
+1.0% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 4.5% in tier |
| Deposits |
$815.1M
+6.5% YoY+2.5% QoQ
|
+$81.0M |
$734.2M
+0.9% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
85% |
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| ROA |
0.1%
-70.3% YoY+292.3% QoQ
|
-0.6% |
0.7%
+27.6% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.9% in tier |
| NIM |
3.5%
-4.9% YoY-2.8% QoQ
|
+0.1% |
3.4%
+9.6% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
80.4%
-0.0% YoY-2.9% QoQ
|
+5.9% |
74.5%
-3.2% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.0%
+6.7% YoY+13.3% QoQ
|
+0.1 |
0.8%
+5.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
95.3%
+12.4% YoY-0.3% QoQ
|
+12.7% |
82.7%
+0.1% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$20,816
+12.6% YoY+1.8% QoQ
|
$-8K |
$28,651
+2.5% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
30.0%
-2.7% YoY+4.9% QoQ
|
+5.6% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
71% |
| Indirect Auto % |
17.1%
-45.5% YoY-12.9% QoQ
|
+3.1% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
66% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)