BlastPoint's Credit Union Scorecard
CALL
Charter #15209 · VA
CALL has 4 strengths but faces 9 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
- + Credit Quality Leader: Top 87.6% in tier
- + Wallet Share Momentum: Top 92.1% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.9% in tier
- - Membership Headwinds: Bottom 15.6% in tier
- - Stagnation Risk: Bottom 18.5% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 13.06% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Total Loans: Bottom 5.3% in tier
- - Loan-to-Share Ratio: Bottom 5.9% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,680
-2.7% YoY-0.5% QoQ
|
-12.1K |
39,752
-2.7% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 12.4% in tier |
| Assets |
$538.5M
+3.5% YoY-0.5% QoQ
|
$-83.9M |
$622.4M
+0.3% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$265.2M
+2.2% YoY-0.1% QoQ
|
$-170.7M |
$435.9M
-0.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.7% in tier |
| Deposits |
$481.4M
+2.7% YoY-0.9% QoQ
|
$-56.7M |
$538.0M
+1.3% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.3%
-23.0% YoY+4.2% QoQ
|
-0.3% |
0.7%
+33.9% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
3.1%
+2.6% YoY+3.3% QoQ
|
-0.4% |
3.4%
+8.6% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
91.2%
+4.0% YoY-0.2% QoQ
|
+13.1% |
78.1%
-3.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 9.5% in tier |
| Delinquency Rate |
0.4%
-8.5% YoY+34.5% QoQ
|
-0.4 |
0.8%
-4.9% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
55.1%
-0.6% YoY+0.7% QoQ
|
-25.9% |
81.0%
-1.8% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.3% in tier |
| AMR |
$26,972
+5.4% YoY-0.1% QoQ
|
+$490 |
$26,482
+2.6% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
7.7%
-8.0% YoY-2.0% QoQ
|
-16.8% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
Bottom 6.2% in tier |
| Indirect Auto % |
0.0%
-85.9% YoY-39.2% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
30% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)