BlastPoint's Credit Union Scorecard

DEMOCRACY

Charter #1407 · VA

100M-500M

1024 CUs in 100M-500M nationally 24 in VA

DEMOCRACY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 2.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.28% below tier average
- Efficiency ratio 21.48% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
Shares and deposits +7.1% year over year ($172M in shares and deposits).
Membership: 11,840 members, -14.8% vs a year ago.
Delinquency rate 1.11%.
Return on assets 0.59%.
Efficiency ratio 98.21% vs a 76.73% peer average.
Loan-to-share ratio 68.80% vs a 71.54% 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	11,840 -14.8% YoY+0.2% QoQ	-3.3K	15,168 -2.6% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	43%
Assets	$188.2M +4.1% YoY-0.9% QoQ	$-43.8M	$232.0M +0.7% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	47%
Loans	$118.6M -10.5% YoY-2.4% QoQ	$-27.7M	$146.3M +0.2% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	48%
Deposits	$172.3M +7.1% YoY-1.1% QoQ	$-28.4M	$200.7M +0.2% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	50%

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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	0.6% +891.0% YoY-203.3% QoQ	-0.3%	0.9% +12.5% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	35%
NIM	3.2% -11.2% YoY+1.9% QoQ	-0.5%	3.7% +4.5% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	21%
Efficiency Ratio	98.2% +35.9% YoY+5.1% QoQ	+21.5%	76.7% -0.8% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	Bottom 2.3% in tier
Delinquency Rate	1.1% +8.7% YoY+37.7% QoQ	+0.2	0.9% +6.6% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	73%
Loan To Share	68.8% -16.5% YoY-1.3% QoQ	-2.7%	71.5% -0.3% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	42%
AMR	$24,566 +16.3% YoY-1.8% QoQ	$-541	$25,107 +3.2% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	58%
CD Concentration	18.2% +2.0% YoY+0.6% QoQ	-6.4%	24.6%	18.0%	20.0%	50%
Indirect Auto %	0.7% -21.6% YoY-9.2% QoQ	-13.0%	13.6%	9.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#40 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 16.27%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk

#5 of 549 • Bottom 50.0% 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): -14.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -10.55%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.11%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#17 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -14.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#9 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $188.21M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -14.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -10.55%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Cost Spiral

risk

#23 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 25.95% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 72.26%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Efficiency Drag

risk

#334 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 98.21%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.53% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -14.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Credit Quality Pressure

risk

#508 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (4 metrics)

AMR Growth Rate

growth

Value: 16.27%

Peer Median: 3.53%

#31 of 1024 Top 2.9% in 100M-500M tier

119

Fee Income Per Member

profitability

Value: $249.44

Peer Median: $159.88

#119 of 1024 Top 11.5% in 100M-500M tier

182

Members Per Employee (MPE)

engagement

Value: 408.276

Peer Median: 310.924

#182 of 1024 Top 17.7% in 100M-500M tier

215

Deposit Growth Rate

growth

Value: 7.08%

Peer Median: 3.58%

#215 of 1024 Top 20.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1022

Net Worth Ratio

risk

Value: 6.59%

Peer Median: 11.71%

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1012

Member Growth Rate

growth

Value: -14.75%

Peer Median: -0.03%

#1012 of 1024 Bottom 1.3% in 100M-500M tier

1004

Loan Growth Rate

growth

Value: -10.55%

Peer Median: 3.02%

#1004 of 1024 Bottom 2.1% in 100M-500M tier

1001

Efficiency Ratio

profitability

Value: 98.21%

Peer Median: 77.26%

#1001 of 1024 Bottom 2.3% in 100M-500M tier

950

Net Charge-Off Rate

risk

Value: 1.10%

Peer Median: 0.34%

#950 of 1024 Bottom 7.3% in 100M-500M tier

825

First Mortgage Concentration (%)

balance_sheet

Value: 45.77%

Peer Median: 29.92%

#825 of 1024 Bottom 19.5% in 100M-500M tier

812

Net Interest Margin (NIM)

profitability

Value: 3.17%

Peer Median: 3.67%

#812 of 1024 Bottom 20.8% in 100M-500M tier