BlastPoint's Credit Union Scorecard

HENRICO

Charter #18175 · VA

1069 CUs in 100M-500M nationally 25 in VA

HENRICO has 8 strengths but faces 3 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

  • + Wallet Share Momentum: Top 46.3% in tier
  • + Organic Growth Engine: Top 65.3% 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 11.3% 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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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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 (2)

Wallet Share Momentum

growth
#238 of 513 • Top 46.3% in tier

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

Why This Signature
AMR Growth (YoY): 8.07%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth
#389 of 595 • Top 65.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.80%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.11%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 40.43%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Indirect Auto Dependency

risk
#58 of 506 • Bottom 11.3% in tier

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

Why This Signature
Asset Growth (YoY): 8.27%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 40.43%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 1.80%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

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)

Comparing against 1069 peers in tier

Top Strengths (10 metrics)

4
Total Deposits
balance_sheet
Value: $435.78M
Peer Median: -
#4 of 1069 Top 0.3% in 100M-500M tier
18
Total Assets
balance_sheet
Value: $486.11M
Peer Median: -
#18 of 1069 Top 1.6% in 100M-500M tier
61
Total Members
engagement
Value: 31,329
Peer Median: -
#61 of 1069 Top 5.6% in 100M-500M tier
68
Total Loans
balance_sheet
Value: $300.85M
Peer Median: -
#68 of 1069 Top 6.3% in 100M-500M tier
85
Loan Growth Rate
growth
Value: 14.75%
Peer Median: -
#85 of 1069 Top 7.9% in 100M-500M tier
170
Efficiency Ratio
profitability
Value: 65.48%
Peer Median: -
#170 of 1069 Top 15.8% in 100M-500M tier
187
AMR Growth Rate
growth
Value: 8.07%
Peer Median: -
#187 of 1069 Top 17.4% in 100M-500M tier
233
Asset Growth Rate
growth
Value: 8.27%
Peer Median: -
#233 of 1069 Top 21.7% in 100M-500M tier
255
First Mortgage Concentration (%)
balance_sheet
Value: 16.89%
Peer Median: -
#255 of 1069 Top 23.8% in 100M-500M tier
267
Return on Assets (ROA)
profitability
Value: 1.11%
Peer Median: -
#267 of 1069 Top 24.9% in 100M-500M tier

Top Weaknesses (3 metrics)

987
Indirect Auto Concentration (%)
balance_sheet
Value: 40.43%
Peer Median: -
#987 of 1069 Bottom 7.8% in 100M-500M tier
857
Total Delinquency Rate (60+ days)
risk
Value: 1.26%
Peer Median: -
#857 of 1069 Bottom 19.9% in 100M-500M tier
843
Net Interest Margin (NIM)
profitability
Value: 3.07%
Peer Median: -
#843 of 1069 Bottom 21.2% in 100M-500M tier
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