BlastPoint's Credit Union Scorecard
JUSTICE
Charter #151 · VA
JUSTICE has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 3.8% in tier
- + Organic Growth Engine: Top 3.8% in tier
- + Emerging Performer: Top 61.6% in tier
- + Net Interest Margin 0.25% above tier average
- + Strong member growth: 15.2% YoY
- + Member Growth Rate: Top 2.7% in tier
- + Loan Growth Rate: Top 7.7% in tier
- + Members Per Employee (MPE): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 97.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 1.98% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - AMR Growth Rate: Bottom 3.3% in tier
- - Fee Income Per Member: Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Virginia.
- Shares and deposits +1.1% year over year ($998M in shares and deposits).
- Membership: 79,173 members, +15.2% vs a year ago.
- Delinquency rate 1.28%.
- Return on assets 0.69%.
- Efficiency ratio 75.00% vs a 73.02% peer average.
- Loan-to-share ratio 87.68% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
79,173
+15.2% YoY+7.6% QoQ
|
-17.7K |
96,861
-1.9% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$1.1B
+2.1% YoY-1.5% QoQ
|
$-582.3M |
$1.7B
+0.4% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$874.7M
+14.8% YoY+7.9% QoQ
|
$-359.5M |
$1.2B
+0.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$997.6M
+1.1% YoY-2.3% QoQ
|
$-465.7M |
$1.5B
+0.5% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.7%
+69.1% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
3.7%
+4.8% YoY+3.5% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
75.0%
-13.5% YoY-2.3% QoQ
|
+2.0% |
73.0%
-2.7% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
1.3%
-25.8% YoY+44.1% QoQ
|
+0.4 |
0.9%
+7.3% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
87.7%
+13.6% YoY+10.4% QoQ
|
+3.0% |
84.7%
+0.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$23,649
-7.0% YoY-5.0% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
33.3%
-4.1% YoY-1.4% QoQ
|
+4.3% | 29.1% | 18.0% | 20.0% | 69% |
| Indirect Auto % |
6.7%
+51.9% QoQ
|
-11.4% | 18.1% | 9.3% | 7.7% | 29% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
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)