BlastPoint's Credit Union Scorecard
PEOPLES ADVANTAGE
Charter #17464 · VA
PEOPLES ADVANTAGE has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 49.3% in tier
- + Wallet Share Momentum: Top 59.0% in tier
- + Organic Growth Leader: Top 87.1% in tier
- + ROA 0.61% above tier average
- + Net Interest Margin 1.08% above tier average
- + Fee Income Per Member: Top 0.4% in tier
- + Net Worth Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 21.6% in tier
- - Efficiency ratio 1.08% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
- - Total Deposits: Bottom 0.7% in tier
- - Total Assets: Bottom 7.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
- - Total Loans: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,316
+0.9% YoY+1.2% QoQ
|
-6.1K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$111.6M
+8.3% YoY+1.5% QoQ
|
$-120.2M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.5% in tier |
| Loans |
$58.1M
+8.6% YoY+2.3% QoQ
|
$-89.2M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.1% in tier |
| Deposits |
$84.6M
+7.8% YoY+2.7% QoQ
|
$-116.2M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.7% in tier |
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| ROA |
1.4%
+47.3% YoY-34.6% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 13.8% in tier |
| NIM |
4.7%
+1.0% YoY+0.7% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
78.1%
+6.1% YoY+10.6% QoQ
|
+1.1% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.9%
-25.2% YoY+9.8% QoQ
|
+1.0 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 8.0% in tier |
| Loan To Share |
68.7%
+0.8% YoY-0.3% QoQ
|
-3.5% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$15,322
+7.1% YoY+1.3% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.9% in tier |
| CD Concentration |
18.4%
+1.1% YoY-4.0% QoQ
|
-6.0% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
0.6%
-54.0% YoY-14.8% QoQ
|
-13.2% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
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)