BlastPoint's Credit Union Scorecard
DEMOCRACY
Charter #1407 · VA
DEMOCRACY has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 87.5% in tier
- + Fee Income Per Member: Top 0.8% in tier
- + Deposit Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.6% in tier
- - Institutional Decline: Bottom 16.3% in tier
- - Membership Headwinds: Bottom 28.2% in tier
- - Credit Quality Pressure: Bottom 33.1% in tier
- - Efficiency Drag: Bottom 98.0% in tier
- - ROA 1.15% below tier average
- - Efficiency ratio 4.31% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
- - Member decline: -4.4% YoY
- - Net Worth Ratio: Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 2.1% in tier
- - Net Charge-Off Rate: Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,010
-4.4% YoY-0.5% QoQ
|
-3.4K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$189.9M
+4.7% YoY+0.6% QoQ
|
$-41.9M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$125.4M
-11.0% YoY-2.8% QoQ
|
$-22.0M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$173.8M
+11.8% YoY+1.0% QoQ
|
$-27.0M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
-0.4%
-59.9% YoY-5195.7% QoQ
|
-1.2% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.1% in tier |
| NIM |
3.3%
-9.7% YoY-4.1% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
81.3%
-10.9% YoY+8.1% QoQ
|
+4.3% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
1.1%
+39.4% YoY+176.9% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
72.1%
-20.4% YoY-3.7% QoQ
|
-0.1% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$24,913
+5.6% YoY-0.2% QoQ
|
+$237 |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
19.0%
+22.8% YoY-0.5% QoQ
|
-5.5% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
0.8%
-7.8% QoQ
|
-13.0% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)