BlastPoint's Credit Union Scorecard
HENRICO
Charter #18175 · VA
HENRICO has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.35% above tier average
- + Total Deposits: Top 0.3% in tier
- + Total Assets: Top 1.6% in tier
- + Total Members: Top 5.6% in tier
- + Total Loans: Top 6.3% in tier
- + Loan Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.36% above tier average
- - Indirect Auto Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,329
+1.8% YoY-0.5% QoQ
|
+15.9K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 5.7% in tier |
| Assets |
$486.1M
+8.3% YoY+2.0% QoQ
|
+$254.2M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 1.7% in tier |
| Loans |
$300.8M
+14.7% YoY+1.0% QoQ
|
+$153.5M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 6.4% in tier |
| Deposits |
$435.8M
+7.0% YoY+1.8% QoQ
|
+$235.0M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 0.4% in tier |
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| ROA |
1.1%
+23.7% YoY+6.0% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
3.1%
+16.2% YoY+0.8% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
65.5%
-7.5% YoY-1.9% QoQ
|
-11.5% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
1.3%
-18.9% YoY-5.4% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
69.0%
+7.3% YoY-0.7% QoQ
|
-3.2% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$23,513
+8.1% YoY+1.9% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
26.4%
+5.2% YoY+2.1% QoQ
|
+2.0% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
40.4%
+4.6% YoY-2.4% QoQ
|
+26.6% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
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)