BlastPoint's Credit Union Scorecard
DEMOCRACY
Charter #1407 · VA
DEMOCRACY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 1.29% below tier average
- - Efficiency ratio 15.39% above tier (higher cost structure)
- - Member decline: -4.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,818
-4.8% YoY-1.6% QoQ
|
-3.3K |
15,145
-2.5% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$190.0M
+3.8% YoY+0.0% QoQ
|
$-41.7M |
$231.7M
+0.8% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$121.4M
-10.0% YoY-3.2% QoQ
|
$-22.7M |
$144.1M
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$174.2M
+7.3% YoY+0.2% QoQ
|
$-26.9M |
$201.1M
+0.4% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
-0.6%
-56.2% YoY+44.6% QoQ
|
-1.3% |
0.7%
+5.1% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.4% in tier |
| NIM |
3.1%
-11.6% YoY-6.5% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
93.4%
+12.4% YoY+14.9% QoQ
|
+15.4% |
78.0%
-1.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
0.8%
+32.7% YoY-28.4% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
69.7%
-16.1% YoY-3.4% QoQ
|
-0.7% |
70.4%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$25,014
+4.4% YoY+0.4% QoQ
|
+$95 |
$24,918
+2.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
18.1%
+11.5% YoY-4.6% QoQ
|
-6.2% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
0.7%
-24.0% YoY-4.1% QoQ
|
-13.1% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)