BlastPoint's Credit Union Scorecard
GLAMORGAN EMPLOYEES
Charter #19416 · VA
2556 CUs in <100M nationally
48 in VA
GLAMORGAN EMPLOYEES has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 5.96% below tier average
- - Efficiency ratio 1.15% above tier (higher cost structure)
- - Delinquency rate 14.51% above tier average
- - Member decline: -14.8% YoY
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
- - Member Growth Rate: Bottom 2.6% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
- - Total Members: Bottom 8.0% in tier
- - Total Deposits: Bottom 8.9% in tier
- - Total Loans: Bottom 9.0% in tier
- - Total Assets: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
305
-14.8% YoY-17.1% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 8.0% in tier |
| Assets |
$2.0M
+3.0% YoY-5.1% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.3% in tier |
| Loans |
$667,542
-36.5% YoY-12.3% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.9% in tier |
| Deposits |
$1.4M
+12.2% YoY+0.3% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.8% in tier |
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| ROA |
-5.3%
-327.9% YoY-184851.7% QoQ
|
-6.0% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.0% in tier |
| NIM |
5.3%
-29.4% YoY-3.3% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 9.0% in tier |
| Efficiency Ratio |
83.7%
+38.9% YoY+2.6% QoQ
|
+1.2% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
16.1%
+31.6% YoY-53.4% QoQ
|
+14.5 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 1.4% in tier |
| Loan To Share |
46.2%
-43.5% YoY-12.6% QoQ
|
-14.4% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$6,925
+6.0% YoY+15.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
168
Deposit Growth Rate
growth
Value:
12.22%
Peer Median: -
#168 of 2556
Top 6.5% in <100M tier
231
Net Interest Margin (NIM)
profitability
Value:
5.32%
Peer Median: -
#231 of 2556
Top 9.0% in <100M tier
291
Net Worth Ratio
risk
Value:
24.98%
Peer Median: -
#291 of 2556
Top 11.3% in <100M tier
574
AMR Growth Rate
growth
Value:
5.99%
Peer Median: -
#574 of 2556
Top 22.4% in <100M tier
Top Weaknesses (12 metrics)
2541
Net Charge-Off Rate
risk
Value:
24.61%
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2531
Return on Assets (ROA)
profitability
Value:
-5.34%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2522
Total Delinquency Rate (60+ days)
risk
Value:
16.06%
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2519
Loan Growth Rate
growth
Value:
-36.54%
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2490
Member Growth Rate
growth
Value:
-14.80%
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2398
Members Per Employee (MPE)
engagement
Value:
101.667
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2352
Total Members
engagement
Value:
305
Peer Median: -
#2352 of 2556
Bottom 8.0% in <100M tier
2330
Total Deposits
balance_sheet
Value:
$1.44M
Peer Median: -
#2330 of 2556
Bottom 8.9% in <100M tier
2328
Total Loans
balance_sheet
Value:
$667,542
Peer Median: -
#2328 of 2556
Bottom 9.0% in <100M tier
2319
Total Assets
balance_sheet
Value:
$1.95M
Peer Median: -
#2319 of 2556
Bottom 9.3% in <100M tier