BlastPoint's Credit Union Scorecard
INLAND MOTOR EMPLOYEES
Charter #14898 · VA
2596 CUs in <100M nationally
49 in VA
INLAND MOTOR EMPLOYEES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.7% in tier
- + Net Worth Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Delinquency rate 3.90% above tier average
- - Member decline: -3.7% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
- - Fee Income Per Member: Bottom 7.4% in tier
- - Total Deposits: Bottom 7.8% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - Total Assets: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
496
-3.7% YoY-0.8% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 13.7% in tier |
| Assets |
$1.6M
-2.4% YoY-0.5% QoQ
|
$-28.2M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.1% in tier |
| Loans |
$1.1M
+3.3% YoY-5.0% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.3% in tier |
| Deposits |
$1.1M
-3.8% YoY-1.0% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.8% in tier |
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| ROA |
0.4%
-28.6% YoY+56.4% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
7.4%
-6.0% YoY+1.4% QoQ
|
+3.4% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
77.3%
+13.9% YoY-3.2% QoQ
|
-4.1% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
5.4%
+35.3% YoY+177.8% QoQ
|
+3.9 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 5.4% in tier |
| Loan To Share |
98.7%
+7.4% YoY-4.0% QoQ
|
+37.4% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Top 4.9% in tier |
| AMR |
$4,569
+3.4% YoY-2.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
23
Net Interest Margin (NIM)
profitability
Value:
7.36%
Peer Avg: -
#23 of 2596
Top 0.8% in <100M tier
124
Loan-to-Share Ratio
balance_sheet
Value:
98.65%
Peer Avg: -
#124 of 2596
Top 4.7% in <100M tier
182
Net Worth Ratio
risk
Value:
28.58%
Peer Avg: -
#182 of 2596
Top 7.0% in <100M tier
Top Weaknesses (10 metrics)
2457
Total Delinquency Rate (60+ days)
risk
Value:
5.41%
Peer Avg: -
#2457 of 2596
Bottom 5.4% in <100M tier
2406
Fee Income Per Member
profitability
Value:
$0.84
Peer Avg: -
#2406 of 2596
Bottom 7.4% in <100M tier
2394
Total Deposits
balance_sheet
Value:
$1.14M
Peer Avg: -
#2394 of 2596
Bottom 7.8% in <100M tier
2389
Average Member Relationship (AMR)
engagement
Value:
$4,569
Peer Avg: -
#2389 of 2596
Bottom 8.0% in <100M tier
2386
Total Assets
balance_sheet
Value:
$1.61M
Peer Avg: -
#2386 of 2596
Bottom 8.1% in <100M tier
2309
Members Per Employee (MPE)
engagement
Value:
165.333
Peer Avg: -
#2309 of 2596
Bottom 11.1% in <100M tier
2276
Total Loans
balance_sheet
Value:
$1.13M
Peer Avg: -
#2276 of 2596
Bottom 12.4% in <100M tier
2240
Total Members
engagement
Value:
496
Peer Avg: -
#2240 of 2596
Bottom 13.8% in <100M tier
2184
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,269
Peer Avg: -
#2184 of 2596
Bottom 15.9% in <100M tier
2017
Deposit Growth Rate
growth
Value:
-3.78%
Peer Avg: -
#2017 of 2596
Bottom 22.3% in <100M tier