BlastPoint's Credit Union Scorecard
CALL
Charter #15209 · VA
CALL has 2 strengths but faces 10 concerns
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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 3.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.2% in tier
- - Credit Quality Pressure: Bottom 50.9% in tier
- - Credit Risk Growth: Bottom 73.2% in tier
- - Membership Headwinds: Bottom 91.1% in tier
- - Stagnation Risk: Bottom 91.7% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 14.38% above tier (higher cost structure)
- - Total Loans: Bottom 6.1% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
- - Loan-to-Share Ratio: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,618
-0.8% YoY-0.2% QoQ
|
-11.0K |
38,575
-4.8% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 13.3% in tier |
| Assets |
$535.1M
+5.0% YoY-0.6% QoQ
|
$-86.6M |
$621.7M
+0.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$269.3M
+3.1% YoY+1.5% QoQ
|
$-160.5M |
$429.8M
-1.8% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.5% in tier |
| Deposits |
$475.3M
+3.4% YoY-1.3% QoQ
|
$-63.4M |
$538.7M
+0.6% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.3%
+57.9% YoY-4.7% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.1%
+2.4% YoY+1.6% QoQ
|
-0.3% |
3.4%
+8.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
91.9%
-1.2% YoY+0.8% QoQ
|
+14.4% |
77.5%
-4.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 4.8% in tier |
| Delinquency Rate |
0.6%
+56.5% YoY+58.5% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
56.7%
-0.3% YoY+2.8% QoQ
|
-23.2% |
79.8%
-2.3% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.3% in tier |
| AMR |
$26,961
+4.2% YoY-0.0% QoQ
|
+$112 |
$26,849
+2.7% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
8.0%
-7.6% YoY+4.4% QoQ
|
-16.4% | 24.4% | 18.3% | 19.8% | Bottom 6.3% in tier |
| Indirect Auto % |
0.0%
-82.7% YoY-33.9% QoQ
|
-13.8% | 13.8% | 9.6% | 7.8% | 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)