BlastPoint's Credit Union Scorecard
BVA
Charter #16063 · PA
BVA faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Delinquency rate 3.48% above tier average
- - Member decline: -3.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Net Interest Margin (NIM): Bottom 9.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +5.0% year over year ($35.9M in shares and deposits).
- Membership: 2,177 members, -3.4% vs a year ago.
- Delinquency rate 5.02%.
- Return on assets 0.88%.
- Efficiency ratio 84.78% vs a 88.77% peer average.
- Loan-to-share ratio 23.32% vs a 58.89% 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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,177
-3.4% YoY-1.1% QoQ
|
-408 |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$39.7M
+5.4% YoY+1.5% QoQ
|
+$9.4M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$8.4M
-14.2% YoY-5.4% QoQ
|
$-7.1M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$35.9M
+5.0% YoY+1.5% QoQ
|
+$10.1M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.9%
+75.2% YoY-15.7% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
2.7%
+3.5% YoY+3.5% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
84.8%
+5.3% YoY-9.9% QoQ
|
-4.0% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
5.0%
+84.8% YoY+20.9% QoQ
|
+3.5 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.4% in tier |
| Loan To Share |
23.3%
-18.3% YoY-6.8% QoQ
|
-35.6% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.6% in tier |
| AMR |
$20,343
+4.3% YoY+1.2% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
29.4%
+6.5% YoY+1.2% QoQ
|
+4.9% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)