BlastPoint's Credit Union Scorecard
CALL
Charter #15209 · VA
CALL has 1 strength 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
- + Share Certificate Concentration (%): Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.1% in tier
- - Credit Quality Pressure: Bottom 17.4% in tier
- - Credit Risk Growth: Bottom 55.6% in tier
- - Membership Headwinds: Bottom 65.3% in tier
- - Stagnation Risk: Bottom 65.3% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 14.64% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 6.7% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Virginia.
- Shares and deposits +2.5% year over year ($498M in shares and deposits).
- Membership: 27,508 members, -1.1% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.28%.
- Efficiency ratio 91.20% vs a 76.56% peer average.
- Loan-to-share ratio 54.63% vs a 79.33% 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 |
27,508
-1.1% YoY-0.6% QoQ
|
-10.4K |
37,897
-5.0% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 13.9% in tier |
| Assets |
$557.1M
+3.0% YoY-2.3% QoQ
|
$-65.3M |
$622.4M
+0.6% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$271.9M
+2.4% YoY+0.3% QoQ
|
$-156.6M |
$428.5M
-0.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.3% in tier |
| Deposits |
$497.7M
+2.5% YoY-2.5% QoQ
|
$-42.0M |
$539.8M
+0.9% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
0.3%
-11.1% YoY+38.6% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.1% in tier |
| NIM |
3.2%
+7.3% YoY+2.7% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
91.2%
-0.1% YoY-2.0% QoQ
|
+14.6% |
76.6%
-3.6% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
0.6%
+127.3% YoY+148.0% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
54.6%
-0.1% YoY+2.8% QoQ
|
-24.7% |
79.3%
-1.4% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.1% in tier |
| AMR |
$27,980
+3.6% YoY-0.9% QoQ
|
+$685 |
$27,294
+4.1% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
7.7%
-0.9% YoY+1.9% QoQ
|
-16.8% | 24.6% | 18.0% | 20.0% | Bottom 5.9% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 7.7% | 30% |
Signature Analysis
Strengths (0)
Concerns (5)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)