BlastPoint's Credit Union Scorecard
JUSTICE
Charter #151 · VA
JUSTICE has 4 strengths but faces 7 concerns
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How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 33.2% in tier
- + Organic Growth Leader: Top 35.0% in tier
- + Wallet Share Momentum: Top 86.1% in tier
- + Net Interest Margin 0.24% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.2% in tier
- - Credit Quality Pressure: Bottom 18.4% in tier
- - ROA 0.62% below tier average
- - Efficiency ratio 11.10% above tier (higher cost structure)
- - Delinquency rate 0.78% above tier average
- - Fee Income Per Member: Bottom 6.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,541
+0.5% YoY+1.1% QoQ
|
-29.1K |
98,678
-1.9% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$1.1B
+7.4% YoY+0.7% QoQ
|
$-592.6M |
$1.7B
+0.5% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.8% in tier |
| Loans |
$766.4M
+0.1% YoY+0.6% QoQ
|
$-466.7M |
$1.2B
+0.5% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.8% in tier |
| Deposits |
$991.5M
+11.4% YoY+0.5% QoQ
|
$-462.8M |
$1.5B
+1.3% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.1%
-80.1% YoY+657.9% QoQ
|
-0.6% |
0.7%
+13.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.6% in tier |
| NIM |
3.5%
-1.3% YoY+0.0% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
85.1%
+7.1% YoY-1.9% QoQ
|
+11.1% |
74.0%
-10.9% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
1.6%
+5.3% YoY-6.9% QoQ
|
+0.8 |
0.8%
+6.1% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 8.6% in tier |
| Loan To Share |
77.3%
-10.1% YoY+0.1% QoQ
|
-7.9% |
85.2%
-0.8% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$25,279
+5.6% YoY-0.6% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
35.0%
+15.4% YoY+0.5% QoQ
|
+6.0% |
29.0%
+0.7% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
77% |
| Indirect Auto % | 0.6% | -18.2% |
18.8%
-3.0% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
16% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)