BlastPoint's Credit Union Scorecard

HENRICO

Charter #18175 · VA

Community 500M-750M

167 CUs in 500M-750M nationally 7 in VA

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HENRICO has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 16.0% in tier
+ ROA 0.16% above tier average
+ Loan Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 23.4% in tier
- Margin Compression: Bottom 38.4% in tier
- Delinquency rate 0.44% above tier average
- Total Assets: Bottom 1.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	31,449 +1.3% YoY+0.4% QoQ	-6.6K	38,079 -4.8% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	27%
Assets	$501.0M +7.4% YoY+3.1% QoQ	$-118.7M	$619.7M -0.2% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Bottom 1.2% in tier
Loans	$308.2M +13.3% YoY+2.4% QoQ	$-111.2M	$419.3M -1.4% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	Bottom 10.8% in tier
Deposits	$449.8M +6.7% YoY+3.2% QoQ	$-89.7M	$539.5M -0.1% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	Bottom 11.4% 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	0.9% -14.5% YoY-23.5% QoQ	+0.2%	0.7% +36.0% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	65%
NIM	3.1% +8.1% YoY+2.6% QoQ	-0.3%	3.5% +4.5% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	69.0% +4.1% YoY+5.4% QoQ	-9.4%	78.4% -3.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	17%
Delinquency Rate	1.1% -11.4% YoY-9.3% QoQ	+0.4	0.7% -0.9% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	83%
Loan To Share	68.5% +6.2% YoY-0.8% QoQ	-9.2%	77.7% -1.2% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	22%
AMR	$24,102 +7.9% YoY+2.5% QoQ	$-3K	$26,927 +3.1% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	41%
CD Concentration	26.4% +4.4% YoY+0.1% QoQ	+2.1%	24.3%	18.0%	19.8%	59%
Indirect Auto %	40.1% +0.2% YoY-0.8% QoQ	+26.3%	13.8%	9.4%	7.7%	Bottom 8.4% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#213 of 491 • Top 16.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.88%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#56 of 504 • Bottom 23.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.39%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 40.11%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.29%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Margin Compression

decline

#115 of 133 • Bottom 38.4% 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: 0.85%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.00%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.14% points

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

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

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

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 167 peers in tier

Top Strengths (4 metrics)

Loan Growth Rate

growth

Value: 13.27%

Peer Median: 4.25%

#16 of 167 Top 9.0% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.21%

Peer Median: 32.87%

#23 of 167 Top 13.2% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.88%

Peer Median: 4.03%

#28 of 167 Top 16.2% in 500M-750M tier

Efficiency Ratio

profitability

Value: 69.02%

Peer Median: 78.61%

#29 of 167 Top 16.8% in 500M-750M tier

Top Weaknesses (6 metrics)

165

Total Assets

balance_sheet

Value: $500.96M

Peer Median: $619.16M

#165 of 167 Bottom 1.8% in 500M-750M tier

151

Indirect Auto Concentration (%)

balance_sheet

Value: 40.11%

Peer Median: 10.91%

#151 of 167 Bottom 10.2% in 500M-750M tier

149

Total Loans

balance_sheet

Value: $308.17M

Peer Median: $427.27M

#149 of 167 Bottom 11.4% in 500M-750M tier

148

Total Deposits

balance_sheet

Value: $449.80M

Peer Median: $543.36M

#148 of 167 Bottom 12.0% in 500M-750M tier

139

Total Delinquency Rate (60+ days)

risk

Value: 1.14%

Peer Median: 0.62%

#139 of 167 Bottom 17.4% in 500M-750M tier

131

Loan-to-Share Ratio

balance_sheet

Value: 68.51%

Peer Median: 79.97%

#131 of 167 Bottom 22.2% in 500M-750M tier