BlastPoint's Credit Union Scorecard
N A E
Charter #16706 · VA
N A E has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.45% above tier average
- + First Mortgage Concentration (%): Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - ROA 0.55% below tier average
- - Efficiency ratio 12.89% above tier (higher cost structure)
- - Member decline: -2.1% 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 -0.7% year over year ($102M in shares and deposits).
- Membership: 11,367 members, -2.1% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 0.31%.
- Efficiency ratio 89.62% vs a 76.73% peer average.
- Loan-to-share ratio 78.02% 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 |
11,367
-2.1% YoY+0.2% QoQ
|
-3.8K |
15,168
-2.6% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$125.9M
-0.1% YoY-0.8% QoQ
|
$-106.1M |
$232.0M
+0.7% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$79.7M
-0.3% YoY-1.1% QoQ
|
$-66.5M |
$146.3M
+0.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$102.2M
-0.7% YoY-0.8% QoQ
|
$-98.5M |
$200.7M
+0.2% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
+14.6% YoY+5.9% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
4.1%
-4.8% YoY+1.0% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
89.6%
-3.8% YoY-0.0% QoQ
|
+12.9% |
76.7%
-0.8% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate |
0.4%
-35.3% YoY-9.9% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
78.0%
+0.4% YoY-0.3% QoQ
|
+6.5% |
71.5%
-0.3% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$16,004
+1.6% YoY-1.1% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.1% in tier |
| CD Concentration |
18.7%
+4.4% YoY-9.1% QoQ
|
-5.8% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
79.9%
+0.3% YoY-0.4% QoQ
|
+66.3% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)