BlastPoint's Credit Union Scorecard
AGRICULTURE
Charter #16400 · VA
AGRICULTURE has 1 strength but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 13.0% in tier
- - Stagnation Risk: Bottom 18.1% in tier
- - Membership Headwinds: Bottom 30.9% in tier
- - Credit Quality Pressure: Bottom 65.6% in tier
- - Flatlined Growth: Bottom 70.0% in tier
- - Efficiency Drag: Bottom 96.8% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 3.84% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Loan Growth Rate: Bottom 5.4% in tier
- - Deposit Growth Rate: Bottom 7.7% in tier
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,958
-4.3% YoY-0.1% QoQ
|
+8.5K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 14.2% in tier |
| Assets |
$349.1M
-1.0% YoY-0.3% QoQ
|
+$117.3M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$210.7M
-7.9% YoY-0.7% QoQ
|
+$63.3M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$308.1M
-2.4% YoY-0.6% QoQ
|
+$107.3M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.5%
+247.4% YoY+6.6% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
3.3%
+10.9% YoY+2.0% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
80.9%
-3.5% YoY-0.3% QoQ
|
+3.8% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.6%
+26.4% YoY+58.2% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
68.4%
-5.6% YoY-0.1% QoQ
|
-3.8% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$21,652
-0.5% YoY-0.5% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
22.0%
-8.2% YoY-1.6% QoQ
|
-2.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
3.1%
-52.2% YoY-19.2% QoQ
|
-10.7% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)