BlastPoint's Credit Union Scorecard
HENRICO
Charter #18175 · VA
HENRICO has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 23.3% in tier
- + Wallet Share Momentum: Top 58.8% in tier
- + ROA 0.26% above tier average
- + Total Deposits: Top 0.7% in tier
- + Total Assets: Top 1.8% in tier
- + Total Members: Top 6.0% in tier
- + Total Loans: Top 6.2% in tier
- + Loan Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.9% in tier
- - Delinquency rate 0.47% above tier average
- - Indirect Auto Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,472
+2.0% YoY+0.6% QoQ
|
+15.8K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 6.1% in tier |
| Assets |
$476.8M
+2.2% YoY+2.4% QoQ
|
+$245.5M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 1.9% in tier |
| Loans |
$297.8M
+14.2% YoY+4.0% QoQ
|
+$150.0M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 6.3% in tier |
| Deposits |
$428.3M
+5.7% YoY+2.2% QoQ
|
+$228.0M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 0.8% in tier |
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| ROA |
1.1%
+43.0% YoY+5.9% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
3.0%
+20.8% YoY+2.2% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
66.8%
-7.5% YoY-2.0% QoQ
|
-10.5% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.3%
-1.5% YoY-4.0% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
69.5%
+8.0% YoY+1.8% QoQ
|
-3.2% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$23,070
+6.9% YoY+2.4% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
25.9%
+7.6% YoY+0.0% QoQ
|
+1.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
41.4%
+7.1% YoY+1.3% QoQ
|
+27.5% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
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.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)