BlastPoint's Credit Union Scorecard
CALL
Charter #15209 · VA
CALL has 2 strengths but faces 6 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
- + Net Charge-Off Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.7% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 14.63% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 6.6% in tier
- - Total Loans: Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,680
-0.5% YoY+0.2% QoQ
|
-10.4K |
38,079
-4.8% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$570.0M
+3.0% YoY+6.5% QoQ
|
$-49.6M |
$619.7M
-0.2% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$271.1M
+3.8% YoY+0.7% QoQ
|
$-148.2M |
$419.3M
-1.4% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.2% in tier |
| Deposits |
$510.3M
+2.1% YoY+7.4% QoQ
|
$-29.1M |
$539.5M
-0.1% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
0.2%
-37.7% YoY-35.4% QoQ
|
-0.5% |
0.7%
+36.0% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.1%
+4.5% YoY-0.4% QoQ
|
-0.4% |
3.5%
+4.5% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
93.0%
+2.7% YoY+1.2% QoQ
|
+14.6% |
78.4%
-3.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate |
0.2%
-23.7% YoY-57.0% QoQ
|
-0.5 |
0.7%
-0.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Top 14.4% in tier |
| Loan To Share |
53.1%
+1.6% YoY-6.2% QoQ
|
-24.5% |
77.7%
-1.2% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.0% in tier |
| AMR |
$28,232
+3.2% YoY+4.7% QoQ
|
+$1K |
$26,927
+3.1% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
7.6%
-10.2% YoY-4.9% QoQ
|
-16.7% | 24.3% | 18.0% | 19.8% | Bottom 5.8% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 30% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)