BlastPoint's Credit Union Scorecard
GLAMORGAN EMPLOYEES
Charter #19416 · VA
GLAMORGAN EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.37% above tier average
- + Net Interest Margin 0.46% above tier average
- + AMR Growth Rate: Top 2.5% in tier
- + Net Charge-Off Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 37.47% above tier (higher cost structure)
- - Delinquency rate 15.55% above tier average
- - Member decline: -17.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- - Member Growth Rate: Bottom 2.5% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Total Members: Bottom 7.6% in tier
- - Total Deposits: Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits +8.2% year over year ($1.5M in shares and deposits).
- Membership: 289 members, -17.2% vs a year ago.
- Delinquency rate 17.09%.
- Return on assets 2.87%.
- Efficiency ratio 126.23% vs a 88.77% peer average.
- Loan-to-share ratio 47.45% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
289
-17.2% YoY-1.0% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 7.5% in tier |
| Assets |
$2.0M
-0.5% YoY-2.7% QoQ
|
$-28.3M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.2% in tier |
| Loans |
$714,848
-11.9% YoY+16.7% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.1% in tier |
| Deposits |
$1.5M
+8.2% YoY-2.7% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.9%
-294.4% YoY-113.4% QoQ
|
+1.4% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Top 4.5% in tier |
| NIM |
4.4%
-24.8% YoY-82.6% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
126.2%
+33.8% YoY+42.8% QoQ
|
+37.5% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
17.1%
-30.5% YoY-17.3% QoQ
|
+15.5 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.1% in tier |
| Loan To Share |
47.5%
-18.6% YoY+19.9% QoQ
|
-11.4% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$7,686
+21.8% YoY+3.9% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)