BlastPoint's Credit Union Scorecard
TOPSIDE
Charter #14754 · VA
TOPSIDE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.0% in tier
- + Total Assets: Top 1.2% in tier
- + Total Members: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 2.69% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 7.0% in tier
- - Loan Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,757
-0.4% YoY-0.5% QoQ
|
+26.3K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 1.3% in tier |
| Assets |
$488.4M
+3.2% YoY+1.4% QoQ
|
+$256.6M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 1.3% in tier |
| Loans |
$264.0M
-6.3% YoY-1.3% QoQ
|
+$116.7M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 10.9% in tier |
| Deposits |
$453.5M
+1.7% YoY+1.1% QoQ
|
+$252.7M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 0.1% in tier |
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| ROA |
0.6%
-8.2% YoY-2.9% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.6%
-4.9% YoY+0.4% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
79.7%
+3.9% YoY+1.6% QoQ
|
+2.7% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.9%
+4.0% YoY-12.8% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
58.2%
-7.8% YoY-2.4% QoQ
|
-14.0% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$17,183
-1.0% YoY+0.7% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
16.6%
+0.3% YoY-0.8% QoQ
|
-7.8% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-67.7% YoY
|
-13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)