BlastPoint's Credit Union Scorecard
JUSTICE
Charter #151 · VA
JUSTICE has 4 strengths but faces 5 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 12.1% in tier
- + Organic Growth Engine: Top 12.1% in tier
- + Net Interest Margin 0.19% above tier average
- + Strong member growth: 7.8% YoY
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 80.8% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 2.12% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Fee Income Per Member: Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,552
+7.8% YoY+4.7% QoQ
|
-22.5K |
96,048
-2.7% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$1.2B
+6.9% YoY+2.0% QoQ
|
$-560.9M |
$1.7B
+0.4% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$810.9M
+6.9% YoY+3.1% QoQ
|
$-402.8M |
$1.2B
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$1.0B
+7.1% YoY+2.0% QoQ
|
$-444.9M |
$1.5B
+0.5% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
21% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-565.7% YoY+110.6% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
3.5%
+0.6% YoY+0.3% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
63% |
| Efficiency Ratio |
76.8%
-13.6% YoY-7.2% QoQ
|
+2.1% |
74.6%
-3.0% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
0.9%
-23.9% YoY-43.8% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
79.4%
-0.2% YoY+1.0% QoQ
|
-3.7% |
83.2%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$24,901
-0.7% YoY-2.2% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration |
33.8%
+6.5% YoY-1.6% QoQ
|
+5.0% | 28.8% | 18.0% | 19.8% | 72% |
| Indirect Auto % |
4.4%
+97.0% QoQ
|
-13.7% | 18.1% | 9.4% | 7.7% | 24% |
Signature Analysis
Strengths (2)
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.
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)