BlastPoint's Credit Union Scorecard
VANTAGE POINT
Charter #17630 · VA
VANTAGE POINT has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Delinquency rate 0.26% above tier average
- - Member decline: -4.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,986
-4.5% YoY-1.3% QoQ
|
+370 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$43.3M
+3.6% YoY+0.3% QoQ
|
+$13.2M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$15.9M
-9.2% YoY-2.9% QoQ
|
+$129K |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$35.7M
+3.8% YoY+0.2% QoQ
|
+$10.1M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
0.3%
-14.2% YoY-6.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.6%
+11.5% YoY+1.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
79.4%
-4.1% YoY-0.3% QoQ
|
-3.2% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.8%
-49.9% YoY-41.0% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
44.5%
-12.5% YoY-3.1% QoQ
|
-16.2% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$17,293
+4.1% YoY+0.6% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
8.8%
+23.1% YoY+6.3% QoQ
|
-15.6% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)