BlastPoint's Credit Union Scorecard
BVA
Charter #16063 · PA
BVA has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.89% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.43% above tier (higher cost structure)
- - Delinquency rate 2.65% above tier average
- - Member decline: -3.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 7.4% in tier
- - Loan-to-Share Ratio: Bottom 7.4% in tier
- - Net Interest Margin (NIM): Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,201
-3.0% YoY-0.8% QoQ
|
-475 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$39.1M
+7.8% YoY+2.8% QoQ
|
+$8.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$8.9M
-12.5% YoY-3.9% QoQ
|
$-6.4M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$35.4M
+7.7% YoY+2.7% QoQ
|
+$9.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
1.0%
+100.7% YoY+79.6% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
2.6%
-3.5% YoY-1.3% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio |
94.1%
+18.1% YoY+25.1% QoQ
|
+3.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
4.2%
+49.8% YoY+37.9% QoQ
|
+2.6 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.4% in tier |
| Loan To Share |
25.0%
-18.8% YoY-6.5% QoQ
|
-33.5% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.3% in tier |
| AMR |
$20,107
+6.0% YoY+2.1% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
78% |
| CD Concentration |
29.1%
+19.1% YoY-0.4% QoQ
|
+4.8% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)