BlastPoint's Credit Union Scorecard
GLAMORGAN EMPLOYEES
Charter #19416 · VA
<100M
2508 CUs in <100M nationally
48 in VA
GLAMORGAN EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 21.00% above tier average
- + Fee Income Per Member: Top 0.8% in tier
- + AMR Growth Rate: Top 2.2% in tier
- + Deposit Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 21.60% below tier average
- - Delinquency rate 19.15% above tier average
- - Member decline: -23.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Member Growth Rate: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 2.1% in tier
- - Members Per Employee (MPE): Bottom 6.1% in tier
- - Total Members: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
292
-23.4% YoY-4.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 7.6% in tier |
| Assets |
$2.1M
+3.1% YoY+5.1% QoQ
|
$-28.1M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.6% in tier |
| Loans |
$612,314
-32.6% YoY-8.3% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.8% in tier |
| Deposits |
$1.5M
+12.6% YoY+7.1% QoQ
|
$-24.2M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.5% in tier |
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| ROA |
-21.5%
-3445.2% YoY+302.0% QoQ
|
-21.6% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.4% in tier |
| NIM |
25.0%
+325.0% YoY+370.4% QoQ
|
+21.0% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
88.4%
+42.7% YoY+5.6% QoQ
|
-2.3% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
20.7%
+49.0% YoY+28.6% QoQ
|
+19.2 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.0% in tier |
| Loan To Share |
39.6%
-40.2% YoY-14.4% QoQ
|
-18.9% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$7,398
+23.4% YoY+6.8% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
2
Net Interest Margin (NIM)
profitability
Value:
25.01%
Peer Median: 3.83%
#2 of 2508
Top 0.1% in <100M tier
22
Fee Income Per Member
profitability
Value:
$359.78
Peer Median: $60.42
#22 of 2508
Top 0.8% in <100M tier
57
AMR Growth Rate
growth
Value:
23.45%
Peer Median: 1.27%
#57 of 2508
Top 2.2% in <100M tier
136
Deposit Growth Rate
growth
Value:
12.64%
Peer Median: 0.66%
#136 of 2508
Top 5.4% in <100M tier
328
Net Worth Ratio
risk
Value:
23.63%
Peer Median: 14.28%
#328 of 2508
Top 13.0% in <100M tier
Top Weaknesses (13 metrics)
2499
Return on Assets (ROA)
profitability
Value:
-21.46%
Peer Median: 0.61%
#2499 of 2508
Bottom 0.4% in <100M tier
2483
Total Delinquency Rate (60+ days)
risk
Value:
20.66%
Peer Median: 0.65%
#2483 of 2508
Bottom 1.0% in <100M tier
2471
Member Growth Rate
growth
Value:
-23.36%
Peer Median: -1.37%
#2471 of 2508
Bottom 1.5% in <100M tier
2456
Loan Growth Rate
growth
Value:
-32.65%
Peer Median: -2.36%
#2456 of 2508
Bottom 2.1% in <100M tier
2356
Members Per Employee (MPE)
engagement
Value:
97.333
Peer Median: 333.750
#2356 of 2508
Bottom 6.1% in <100M tier
2317
Total Members
engagement
Value:
292
Peer Median: 1,918
#2317 of 2508
Bottom 7.7% in <100M tier
2287
Total Loans
balance_sheet
Value:
$612,314
Peer Median: $9.48M
#2287 of 2508
Bottom 8.9% in <100M tier
2269
Total Deposits
balance_sheet
Value:
$1.55M
Peer Median: $18.77M
#2269 of 2508
Bottom 9.6% in <100M tier
2268
Total Assets
balance_sheet
Value:
$2.05M
Peer Median: $21.86M
#2268 of 2508
Bottom 9.6% in <100M tier
2184
Net Charge-Off Rate
risk
Value:
1.08%
Peer Median: 0.07%
#2184 of 2508
Bottom 13.0% in <100M tier