BlastPoint's Credit Union Scorecard
GLAMORGAN EMPLOYEES
Charter #19416 · VA
2596 CUs in <100M nationally
49 in VA
GLAMORGAN EMPLOYEES has 7 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.57% above tier average
- + Strong member growth: 20.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.8% in tier
- + Net Worth Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 0.19% above tier (higher cost structure)
- - Delinquency rate 32.95% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 1.4% in tier
- - AMR Growth Rate: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 3.4% in tier
- - Members Per Employee (MPE): Bottom 7.5% in tier
- - Total Deposits: Bottom 9.2% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
368
+20.3% YoY+5.4% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 10.1% in tier |
| Assets |
$2.1M
+4.7% YoY+2.6% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.1% in tier |
| Loans |
$760,865
-26.4% YoY-6.2% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.7% in tier |
| Deposits |
$1.4M
+5.4% YoY+3.4% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.1% in tier |
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| ROA |
0.0%
-99.9% YoY-100.2% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
5.5%
-26.0% YoY-5.1% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
81.6%
+46.2% YoY-13.5% QoQ
|
+0.2% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
34.5%
+294.4% YoY+40.2% QoQ
|
+32.9 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 0.7% in tier |
| Loan To Share |
52.9%
-30.1% YoY-9.4% QoQ
|
-8.4% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$5,979
-23.7% YoY-5.3% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
48
Member Growth Rate
growth
Value:
20.26%
Peer Avg: -
#48 of 2596
Top 1.8% in <100M tier
175
Net Worth Ratio
risk
Value:
28.92%
Peer Avg: -
#175 of 2596
Top 6.7% in <100M tier
187
Net Interest Margin (NIM)
profitability
Value:
5.50%
Peer Avg: -
#187 of 2596
Top 7.2% in <100M tier
580
Deposit Growth Rate
growth
Value:
5.37%
Peer Avg: -
#580 of 2596
Top 22.3% in <100M tier
Top Weaknesses (12 metrics)
2578
Total Delinquency Rate (60+ days)
risk
Value:
34.46%
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2561
Net Charge-Off Rate
risk
Value:
5.32%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2558
AMR Growth Rate
growth
Value:
-23.74%
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2508
Loan Growth Rate
growth
Value:
-26.36%
Peer Avg: -
#2508 of 2596
Bottom 3.4% in <100M tier
2402
Members Per Employee (MPE)
engagement
Value:
122.667
Peer Avg: -
#2402 of 2596
Bottom 7.5% in <100M tier
2359
Total Deposits
balance_sheet
Value:
$1.44M
Peer Avg: -
#2359 of 2596
Bottom 9.2% in <100M tier
2345
Total Loans
balance_sheet
Value:
$760,865
Peer Avg: -
#2345 of 2596
Bottom 9.7% in <100M tier
2333
Total Members
engagement
Value:
368
Peer Avg: -
#2333 of 2596
Bottom 10.2% in <100M tier
2333
Total Assets
balance_sheet
Value:
$2.06M
Peer Avg: -
#2333 of 2596
Bottom 10.2% in <100M tier
2290
Average Member Relationship (AMR)
engagement
Value:
$5,979
Peer Avg: -
#2290 of 2596
Bottom 11.8% in <100M tier