BlastPoint's Credit Union Scorecard
AGRICULTURE
Charter #16400 · VA
AGRICULTURE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 2.92% above tier (higher cost structure)
- - Member decline: -6.1% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
- Shares and deposits -2.7% year over year ($309M in shares and deposits).
- Membership: 22,929 members, -6.1% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.68%.
- Efficiency ratio 79.65% vs a 76.73% peer average.
- Loan-to-share ratio 66.13% vs a 71.54% 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 |
22,929
-6.1% YoY-3.8% QoQ
|
+7.8K |
15,168
-2.6% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$350.7M
-1.6% YoY-0.7% QoQ
|
+$118.7M |
$232.0M
+0.7% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$204.3M
-5.3% YoY-0.8% QoQ
|
+$58.1M |
$146.3M
+0.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$309.0M
-2.7% YoY-1.0% QoQ
|
+$108.3M |
$200.7M
+0.2% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
0.7%
+39.5% YoY+8.8% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
3.3%
+6.4% YoY+1.9% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
79.7%
-0.5% YoY-1.1% QoQ
|
+2.9% |
76.7%
-0.8% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.5%
+40.9% YoY-39.0% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
66.1%
-2.7% YoY+0.2% QoQ
|
-5.4% |
71.5%
-0.3% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$22,387
+2.4% YoY+2.9% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
21.7%
-5.8% YoY+1.5% QoQ
|
-2.8% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
3.7%
-18.6% YoY+51.7% QoQ
|
-9.9% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)