BlastPoint's Credit Union Scorecard
TOPSIDE
Charter #14754 · VA
TOPSIDE has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.00% above tier average
- + Total Deposits: Top 0.0% in tier
- + Total Members: Top 1.1% in tier
- + Total Assets: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.7% in tier
- - Shrinking Wallet Share: Bottom 18.2% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 1.16% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Loan Growth Rate: Bottom 6.5% in tier
- - Net Worth Ratio: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,958
-0.2% YoY+0.1% QoQ
|
+26.3K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 1.2% in tier |
| Assets |
$481.9M
+2.8% YoY-0.6% QoQ
|
+$250.6M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 1.5% in tier |
| Loans |
$267.4M
-7.4% YoY+0.2% QoQ
|
+$119.6M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 10.8% in tier |
| Deposits |
$448.5M
+2.1% YoY-0.9% QoQ
|
+$248.2M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 0.1% in tier |
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| ROA |
0.6%
-25.0% YoY+5.5% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
3.6%
-5.4% YoY+2.2% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
78.4%
+4.1% YoY-1.4% QoQ
|
+1.2% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
1.0%
+32.2% YoY+2.5% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
59.6%
-9.3% YoY+1.1% QoQ
|
-13.1% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$17,064
-1.5% YoY-0.6% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
16.7%
+1.3% YoY-3.6% QoQ
|
-7.7% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-66.0% YoY-44.1% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)