BlastPoint's Credit Union Scorecard

PEOPLES ADVANTAGE

Charter #17464 · VA

100M-500M

1024 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 2.01% above tier average
+ Net Interest Margin 1.16% above tier average
+ Fee Income Per Member: Top 0.2% in tier
+ Net Worth Ratio: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 2.21% above tier average
- Total Deposits: Bottom 2.1% in tier
- Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- Net Charge-Off Rate: Bottom 6.4% in tier

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 +9.3% year over year ($87.8M in shares and deposits).
Membership: 9,585 members, +3.6% vs a year ago.
Delinquency rate 3.09%.
Return on assets 2.88%.
Efficiency ratio 66.81% vs a 76.73% peer average.
Loan-to-share ratio 67.63% 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	9,585 +3.6% YoY+1.5% QoQ	-5.6K	15,168 -2.6% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	30%
Assets	$115.3M +7.4% YoY-0.4% QoQ	$-116.7M	$232.0M +0.7% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	Bottom 9.9% in tier
Loans	$59.4M +9.0% YoY+1.9% QoQ	$-86.9M	$146.3M +0.2% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	Bottom 10.7% in tier
Deposits	$87.8M +9.3% YoY-1.0% QoQ	$-113.0M	$200.7M +0.2% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	Bottom 2.1% 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	2.9% -15.8% YoY-56.0% QoQ	+2.0%	0.9% +12.5% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	Top 0.4% in tier
NIM	4.8% +5.6% YoY+1.6% QoQ	+1.2%	3.7% +4.5% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	Top 4.9% in tier
Efficiency Ratio	66.8% +6.2% YoY+37.0% QoQ	-9.9%	76.7% -0.8% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	19%
Delinquency Rate	3.1% +47.3% YoY+34.3% QoQ	+2.2	0.9% +6.6% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	Bottom 2.2% in tier
Loan To Share	67.6% -0.3% YoY+3.0% QoQ	-3.9%	71.5% -0.3% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	39%
AMR	$15,347 +5.3% YoY-1.3% QoQ	$-10K	$25,107 +3.2% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	Bottom 10.3% in tier
CD Concentration	19.1% +3.0% YoY+5.6% QoQ	-5.5%	24.6%	18.0%	20.0%	50%
Indirect Auto %	0.4% -56.4% YoY-19.0% QoQ	-13.2%	13.6%	9.3%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#26 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 2.88%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.42%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#14 of 175 • 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: 2.88%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 3.62%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Organic Growth Leader

growth

#113 of 342 • 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): 3.62%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.42%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#455 of 483 • 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): 5.33%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#27 of 472 • 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): 8.97%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.99% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#47 of 693 • 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): 0.99% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Margin Compression

decline

#15 of 140 • 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: 2.88%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 3.42%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.54% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Liquidity Overhang

risk

#29 of 130 • 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: 22.15%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 67.63%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 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 1024 peers in tier

Top Strengths (9 metrics)

Fee Income Per Member

profitability

Value: $724.91

Peer Median: $159.88

#3 of 1024 Top 0.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.88%

Peer Median: 0.75%

#4 of 1024 Top 0.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 22.15%

Peer Median: 11.71%

#24 of 1024 Top 2.2% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.84%

Peer Median: 3.67%

#50 of 1024 Top 4.8% in 100M-500M tier

115

Deposit Growth Rate

growth

Value: 9.27%

Peer Median: 3.58%

#115 of 1024 Top 11.1% in 100M-500M tier

154

Member Growth Rate

growth

Value: 3.62%

Peer Median: -0.03%

#154 of 1024 Top 14.9% in 100M-500M tier

198

Efficiency Ratio

profitability

Value: 66.81%

Peer Median: 77.26%

#198 of 1024 Top 19.2% in 100M-500M tier

206

Loan Growth Rate

growth

Value: 8.97%

Peer Median: 3.02%

#206 of 1024 Top 20.0% in 100M-500M tier

220

Asset Growth Rate

growth

Value: 7.36%

Peer Median: 4.12%

#220 of 1024 Top 21.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1003

Total Deposits

balance_sheet

Value: $87.75M

Peer Median: $170.77M

#1003 of 1024 Bottom 2.1% in 100M-500M tier

1002

Total Delinquency Rate (60+ days)

risk

Value: 3.09%

Peer Median: 0.71%

#1002 of 1024 Bottom 2.2% in 100M-500M tier

959

Net Charge-Off Rate

risk

Value: 1.20%

Peer Median: 0.34%

#959 of 1024 Bottom 6.4% in 100M-500M tier

923

Total Assets

balance_sheet

Value: $115.32M

Peer Median: $196.38M

#923 of 1024 Bottom 10.0% in 100M-500M tier

919

Average Member Relationship (AMR)

engagement

Value: $15,347

Peer Median: $23,006

#919 of 1024 Bottom 10.4% in 100M-500M tier

914

Total Loans

balance_sheet

Value: $59.35M

Peer Median: $124.04M

#914 of 1024 Bottom 10.8% in 100M-500M tier

875

Loan-to-Member Ratio (LMR)

engagement

Value: $6,192

Peer Median: $9,434

#875 of 1024 Bottom 14.6% in 100M-500M tier

864

Members Per Employee (MPE)

engagement

Value: 239.625

Peer Median: 310.924

#864 of 1024 Bottom 15.7% in 100M-500M tier