BlastPoint's Credit Union Scorecard
TOPSIDE
Charter #14754 · VA
TOPSIDE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Total Deposits: Top 0.1% in tier
- + Total Assets: Top 0.8% in tier
- + Total Members: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 6.27% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
- - Net Worth Ratio: Bottom 9.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
- Shares and deposits +0.6% year over year ($455M in shares and deposits).
- Membership: 41,881 members, -0.1% vs a year ago.
- Delinquency rate 1.14%.
- Return on assets 1.01%.
- Efficiency ratio 83.00% vs a 76.73% peer average.
- Loan-to-share ratio 58.56% 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 |
41,881
-0.1% YoY+0.2% QoQ
|
+26.7K |
15,168
-2.6% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 1.2% in tier |
| Assets |
$492.1M
+1.5% YoY+0.2% QoQ
|
+$260.1M |
$232.0M
+0.7% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Top 0.9% in tier |
| Loans |
$266.6M
-0.1% YoY+1.2% QoQ
|
+$120.3M |
$146.3M
+0.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Top 10.7% in tier |
| Deposits |
$455.2M
+0.6% YoY-0.0% QoQ
|
+$254.5M |
$200.7M
+0.2% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Top 0.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+81.5% YoY+65.1% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.6%
+3.8% YoY+3.0% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
83.0%
+4.3% YoY-3.8% QoQ
|
+6.3% |
76.7%
-0.8% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
1.1%
+18.1% YoY+18.6% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
58.6%
-0.7% YoY+1.2% QoQ
|
-13.0% |
71.5%
-0.3% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$17,234
+0.4% YoY+0.2% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
15.6%
-9.9% YoY-2.6% QoQ
|
-8.9% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-76.7% YoY
|
-13.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)