BlastPoint's Credit Union Scorecard
JUSTICE
Charter #151 · VA
JUSTICE has 5 strengths but faces 8 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 16.3% in tier
- + Organic Growth Engine: Top 46.8% in tier
- + Net Interest Margin 0.26% above tier average
- + Strong member growth: 8.3% YoY
- + Member Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 78.1% in tier
- - Efficiency Drag: Bottom 79.8% in tier
- - Shrinking Wallet Share: Bottom 89.7% in tier
- - Credit Risk Growth: Bottom 91.4% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 8.64% above tier (higher cost structure)
- - Delinquency rate 0.68% above tier average
- - Fee Income Per Member: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,221
+8.3% YoY+1.0% QoQ
|
-27.2K |
97,431
-2.4% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$1.1B
+7.6% YoY+0.8% QoQ
|
$-586.9M |
$1.7B
+0.9% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.9% in tier |
| Loans |
$786.8M
+2.8% YoY+2.7% QoQ
|
$-447.7M |
$1.2B
+0.5% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$1.0B
+11.3% YoY+0.9% QoQ
|
$-458.7M |
$1.5B
+0.9% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.2%
-49.2% YoY+123.7% QoQ
|
-0.5% |
0.7%
+20.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.9% in tier |
| NIM |
3.5%
-0.4% YoY+0.9% QoQ
|
+0.3% |
3.3%
+9.2% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
82.7%
+2.8% YoY-2.8% QoQ
|
+8.6% |
74.1%
-9.5% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 13.2% in tier |
| Delinquency Rate |
1.6%
+3.8% YoY-1.5% QoQ
|
+0.7 |
0.9%
+6.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 10.9% in tier |
| Loan To Share |
78.6%
-7.6% YoY+1.7% QoQ
|
-6.2% |
84.8%
-0.8% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$25,453
-0.9% YoY+0.7% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
34.4%
+9.3% YoY-1.7% QoQ
|
+5.3% | 29.0% | 18.3% | 19.8% | 74% |
| Indirect Auto % |
2.2%
+264.2% QoQ
|
-16.1% | 18.3% | 9.6% | 7.8% | 20% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)