BlastPoint's Credit Union Scorecard
INLAND MOTOR EMPLOYEES
Charter #14898 · VA
<100M
2556 CUs in <100M nationally
48 in VA
INLAND MOTOR EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.69% above tier average
- + Loan-to-Share Ratio: Top 2.1% in tier
- + Net Worth Ratio: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Delinquency rate 0.80% above tier average
- - Average Member Relationship (AMR): Bottom 6.3% in tier
- - Fee Income Per Member: Bottom 7.1% in tier
- - Total Deposits: Bottom 7.2% in tier
- - Total Assets: Bottom 7.5% in tier
- - Deposit Growth Rate: Bottom 7.8% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
501
-0.4% YoY+1.0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 13.7% in tier |
| Assets |
$1.5M
-6.0% YoY-8.3% QoQ
|
$-28.7M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.4% in tier |
| Loans |
$1.1M
+9.5% YoY-4.7% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.7% in tier |
| Deposits |
$1.0M
-9.5% YoY-11.8% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.1% in tier |
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| ROA |
0.4%
+5.4% YoY+17.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
7.6%
-2.3% YoY+3.8% QoQ
|
+3.7% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
76.8%
+11.0% YoY-0.6% QoQ
|
-5.7% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
2.4%
+25.2% YoY-56.5% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
106.6%
+20.9% YoY+8.1% QoQ
|
+46.0% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$4,150
-0.2% YoY-9.2% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
16
Net Interest Margin (NIM)
profitability
Value:
7.64%
Peer Median: -
#16 of 2556
Top 0.6% in <100M tier
54
Loan-to-Share Ratio
balance_sheet
Value:
106.60%
Peer Median: -
#54 of 2556
Top 2.1% in <100M tier
133
Net Worth Ratio
risk
Value:
31.29%
Peer Median: -
#133 of 2556
Top 5.2% in <100M tier
304
Loan Growth Rate
growth
Value:
9.46%
Peer Median: -
#304 of 2556
Top 11.9% in <100M tier
Top Weaknesses (12 metrics)
2396
Average Member Relationship (AMR)
engagement
Value:
$4,150
Peer Median: -
#2396 of 2556
Bottom 6.3% in <100M tier
2376
Fee Income Per Member
profitability
Value:
$1.10
Peer Median: -
#2376 of 2556
Bottom 7.1% in <100M tier
2374
Total Deposits
balance_sheet
Value:
$1.01M
Peer Median: -
#2374 of 2556
Bottom 7.2% in <100M tier
2366
Total Assets
balance_sheet
Value:
$1.48M
Peer Median: -
#2366 of 2556
Bottom 7.5% in <100M tier
2357
Deposit Growth Rate
growth
Value:
-9.49%
Peer Median: -
#2357 of 2556
Bottom 7.8% in <100M tier
2340
Net Charge-Off Rate
risk
Value:
1.58%
Peer Median: -
#2340 of 2556
Bottom 8.5% in <100M tier
2278
Asset Growth Rate
growth
Value:
-6.05%
Peer Median: -
#2278 of 2556
Bottom 10.9% in <100M tier
2263
Members Per Employee (MPE)
engagement
Value:
167.000
Peer Median: -
#2263 of 2556
Bottom 11.5% in <100M tier
2256
Total Loans
balance_sheet
Value:
$1.07M
Peer Median: -
#2256 of 2556
Bottom 11.8% in <100M tier
2206
Total Members
engagement
Value:
501
Peer Median: -
#2206 of 2556
Bottom 13.7% in <100M tier