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 4.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.10% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,827
-4.9% YoY-0.5% QoQ
|
+8.7K |
15,145
-2.5% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Top 13.6% in tier |
| Assets |
$353.1M
-2.7% YoY+1.1% QoQ
|
+$121.4M |
$231.7M
+0.8% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$206.0M
-7.7% YoY-2.2% QoQ
|
+$61.9M |
$144.1M
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$312.2M
-3.7% YoY+1.4% QoQ
|
+$111.1M |
$201.1M
+0.4% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
83% |
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| ROA |
0.6%
+56.3% YoY+23.8% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
3.3%
+6.7% YoY-1.2% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
80.5%
-0.7% YoY-0.4% QoQ
|
+2.5% |
78.0%
-1.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
0.9%
+125.5% YoY+44.9% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
66.0%
-4.1% YoY-3.5% QoQ
|
-4.4% |
70.4%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$21,750
-0.5% YoY+0.5% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
21.4%
-6.9% YoY-2.8% QoQ
|
-2.9% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
2.5%
-54.9% YoY-20.1% QoQ
|
-11.3% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)