BlastPoint's Credit Union Scorecard
PEOPLES ADVANTAGE
Charter #17464 · VA
PEOPLES ADVANTAGE has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 8.0% in tier
- + Wallet Share Momentum: Top 26.0% in tier
- + ROA 1.31% above tier average
- + Net Interest Margin 1.07% above tier average
- + Fee Income Per Member: Top 0.3% in tier
- + Net Worth Ratio: Top 1.7% in tier
- + Asset Growth Rate: Top 6.7% in tier
- + AMR Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 16.2% in tier
- - Liquidity Overhang: Bottom 16.5% in tier
- - Membership Headwinds: Bottom 26.1% in tier
- - Delinquency rate 0.90% above tier average
- - Total Deposits: Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 5.3% in tier
- - Total Assets: Bottom 7.0% in tier
- - Total Loans: Bottom 8.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,206
-1.3% YoY-0.5% QoQ
|
-6.4K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$110.0M
+11.8% YoY+2.4% QoQ
|
$-121.3M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.9% in tier |
| Loans |
$56.8M
+7.8% YoY+4.3% QoQ
|
$-91.0M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.2% in tier |
| Deposits |
$82.4M
+9.1% YoY+2.6% QoQ
|
$-117.9M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.5% in tier |
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| ROA |
2.1%
+140.0% YoY-38.6% QoQ
|
+1.3% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Top 2.3% in tier |
| NIM |
4.7%
-1.3% YoY+1.5% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
70.6%
-3.6% YoY+12.3% QoQ
|
-6.6% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.8%
-15.7% YoY-16.1% QoQ
|
+0.9 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 9.7% in tier |
| Loan To Share |
68.9%
-1.2% YoY+1.6% QoQ
|
-3.8% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$15,123
+10.0% YoY+3.8% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.2% in tier |
| CD Concentration |
19.2%
+1.4% YoY+3.7% QoQ
|
-5.2% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.7%
-57.8% YoY-22.1% QoQ
|
-13.2% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)