BlastPoint's Credit Union Scorecard

PEOPLES ADVANTAGE

Charter #17464 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 in VA

PEOPLES ADVANTAGE has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 5.82% above tier average
+ Net Interest Margin 1.14% above tier average
+ Fee Income Per Member: Top 0.1% in tier
+ Net Worth Ratio: Top 1.7% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 1.53% above tier average
- Total Deposits: Bottom 2.0% in tier
- Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- Net Charge-Off Rate: Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	9,446 +2.3% YoY+1.4% QoQ	-5.7K	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	28%
Assets	$115.8M +6.7% YoY+3.7% QoQ	$-115.9M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Bottom 10.6% in tier
Loans	$58.2M +8.4% YoY+0.2% QoQ	$-85.9M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	Bottom 10.0% in tier
Deposits	$88.7M +9.2% YoY+4.8% QoQ	$-112.5M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	Bottom 1.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	6.5% -14.8% YoY+377.3% QoQ	+5.8%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Top 0.1% in tier
NIM	4.8% +5.7% YoY+1.8% QoQ	+1.1%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	Top 5.0% in tier
Efficiency Ratio	48.8% +4.4% YoY-37.5% QoQ	-29.2%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Top 1.8% in tier
Delinquency Rate	2.3% +55.6% YoY+19.1% QoQ	+1.5	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	Bottom 4.0% in tier
Loan To Share	65.7% -0.7% YoY-4.4% QoQ	-4.7%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	37%
AMR	$15,553 +6.4% YoY+1.5% QoQ	$-9K	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	Bottom 11.0% in tier
CD Concentration	18.0% +2.3% YoY-2.0% QoQ	-6.2%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.5% -55.1% YoY-18.9% QoQ	-13.3%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#62 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.33%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 6.55%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.51%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#33 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 6.55%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.33%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#202 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.33%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.51%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Wallet Share Momentum

growth

#334 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.43%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline

#7 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 6.55%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 7.68%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -1.14% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#47 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.82% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#44 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.44%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.82% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Overhang

risk

#25 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 22.30%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 65.67%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Return on Assets (ROA)

profitability

Value: 6.55%

Peer Median: 0.69%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $1,145

Peer Median: $154.95

#2 of 1070 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 22.30%

Peer Median: 11.45%

#19 of 1070 Top 1.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 48.78%

Peer Median: 78.68%

#20 of 1070 Top 1.8% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.77%

Peer Median: 3.62%

#53 of 1070 Top 4.9% in 100M-500M tier

127

Deposit Growth Rate

growth

Value: 9.22%

Peer Median: 3.30%

#127 of 1070 Top 11.8% in 100M-500M tier

236

Loan Growth Rate

growth

Value: 8.44%

Peer Median: 2.93%

#236 of 1070 Top 22.0% in 100M-500M tier

259

AMR Growth Rate

growth

Value: 6.43%

Peer Median: 3.46%

#259 of 1070 Top 24.1% in 100M-500M tier

261

Member Growth Rate

growth

Value: 2.33%

Peer Median: -0.06%

#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (8 metrics)

1050

Total Deposits

balance_sheet

Value: $88.68M

Peer Median: $171.29M

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1028

Total Delinquency Rate (60+ days)

risk

Value: 2.30%

Peer Median: 0.61%

#1028 of 1070 Bottom 4.0% in 100M-500M tier

1004

Net Charge-Off Rate

risk

Value: 1.29%

Peer Median: 0.35%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

963

Total Loans

balance_sheet

Value: $58.23M

Peer Median: $121.41M

#963 of 1070 Bottom 10.1% in 100M-500M tier

957

Total Assets

balance_sheet

Value: $115.77M

Peer Median: $196.57M

#957 of 1070 Bottom 10.7% in 100M-500M tier

952

Average Member Relationship (AMR)

engagement

Value: $15,553

Peer Median: $22,931

#952 of 1070 Bottom 11.1% in 100M-500M tier

948

Members Per Employee (MPE)

engagement

Value: 230.390

Peer Median: 309.176

#948 of 1070 Bottom 11.5% in 100M-500M tier

907

Loan-to-Member Ratio (LMR)

engagement

Value: $6,165

Peer Median: $9,356

#907 of 1070 Bottom 15.3% in 100M-500M tier