BlastPoint's Credit Union Scorecard
INLAND MOTOR EMPLOYEES
Charter #14898 · VA
<100M
2508 CUs in <100M nationally
48 in VA
INLAND MOTOR EMPLOYEES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 3.76% above tier average
- + Net Charge-Off Rate: Top 2.9% in tier
- + Loan-to-Share Ratio: Top 4.9% in tier
- + Net Worth Ratio: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.01% above tier average
- - Average Member Relationship (AMR): Bottom 6.6% in tier
- - Fee Income Per Member: Bottom 6.9% in tier
- - Total Deposits: Bottom 7.1% in tier
- - Total Assets: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
500
-1.0% YoY-0.2% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 13.8% in tier |
| Assets |
$1.5M
-4.0% YoY+4.3% QoQ
|
$-28.7M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.7% in tier |
| Loans |
$1.0M
-5.4% YoY-5.6% QoQ
|
$-14.3M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.5% in tier |
| Deposits |
$1.1M
-6.5% YoY+5.9% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.1% in tier |
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| ROA |
0.7%
+56.6% YoY+74.2% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
7.8%
+4.5% YoY+1.7% QoQ
|
+3.8% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
77.3%
+0.6% YoY+0.6% QoQ
|
-13.3% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
2.5%
+6.7% YoY+6.8% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
95.0%
+1.2% YoY-10.9% QoQ
|
+36.5% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Top 5.1% in tier |
| AMR |
$4,157
-5.0% YoY+0.2% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
16
Net Interest Margin (NIM)
profitability
Value:
7.77%
Peer Median: 3.83%
#16 of 2508
Top 0.6% in <100M tier
73
Net Charge-Off Rate
risk
Value:
-0.56%
Peer Median: 0.07%
#73 of 2508
Top 2.9% in <100M tier
125
Loan-to-Share Ratio
balance_sheet
Value:
95.00%
Peer Median: 58.72%
#125 of 2508
Top 4.9% in <100M tier
146
Net Worth Ratio
risk
Value:
30.19%
Peer Median: 14.28%
#146 of 2508
Top 5.8% in <100M tier
Top Weaknesses (12 metrics)
2344
Average Member Relationship (AMR)
engagement
Value:
$4,157
Peer Median: $13,926
#2344 of 2508
Bottom 6.6% in <100M tier
2335
Fee Income Per Member
profitability
Value:
$0.53
Peer Median: $60.42
#2335 of 2508
Bottom 6.9% in <100M tier
2330
Total Deposits
balance_sheet
Value:
$1.07M
Peer Median: $18.77M
#2330 of 2508
Bottom 7.1% in <100M tier
2316
Total Assets
balance_sheet
Value:
$1.54M
Peer Median: $21.86M
#2316 of 2508
Bottom 7.7% in <100M tier
2226
Members Per Employee (MPE)
engagement
Value:
166.667
Peer Median: 333.750
#2226 of 2508
Bottom 11.3% in <100M tier
2220
Total Loans
balance_sheet
Value:
$1.01M
Peer Median: $9.48M
#2220 of 2508
Bottom 11.5% in <100M tier
2180
Deposit Growth Rate
growth
Value:
-6.48%
Peer Median: 0.66%
#2180 of 2508
Bottom 13.1% in <100M tier
2164
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,025
Peer Median: $4,923
#2164 of 2508
Bottom 13.8% in <100M tier
2162
Total Members
engagement
Value:
500
Peer Median: 1,918
#2162 of 2508
Bottom 13.8% in <100M tier
2152
Total Delinquency Rate (60+ days)
risk
Value:
2.51%
Peer Median: 0.65%
#2152 of 2508
Bottom 14.2% in <100M tier