BlastPoint's Credit Union Scorecard

PARK VIEW

Charter #19541 · VA

100M-500M

1024 CUs in 100M-500M nationally 24 in VA

PARK VIEW has 8 strengths but faces 6 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Fee Income Per Member: Top 2.0% in tier
+ Total Delinquency Rate (60+ days): Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 3.0% in tier
+ Average Member Relationship (AMR): Top 4.5% in tier
+ Total Loans: Top 5.0% in tier
+ Total Assets: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency ratio 2.50% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 0.9% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
Shares and deposits +3.4% year over year ($344M in shares and deposits).
Membership: 14,679 members, +4.2% vs a year ago.
Delinquency rate 0.05%.
Return on assets 0.88%.
Efficiency ratio 79.24% vs a 76.73% peer average.
Loan-to-share ratio 90.53% vs a 71.54% 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	14,679 +4.2% YoY+1.5% QoQ	-489	15,168 -2.6% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	58%
Assets	$409.6M +3.2% YoY+0.8% QoQ	+$177.6M	$232.0M +0.7% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	Top 9.7% in tier
Loans	$311.3M +3.4% YoY+0.0% QoQ	+$165.0M	$146.3M +0.2% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	Top 5.1% in tier
Deposits	$343.9M +3.4% YoY+1.7% QoQ	+$143.2M	$200.7M +0.2% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	Top 10.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +8.9% YoY+1.3% QoQ	+0.0%	0.9% +12.5% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	58%
NIM	3.2% +7.1% YoY+1.4% QoQ	-0.5%	3.7% +4.5% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	22%
Efficiency Ratio	79.2% +0.0% YoY+0.5% QoQ	+2.5%	76.7% -0.8% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	55%
Delinquency Rate	0.0%	-0.8	0.9% +6.6% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	Top 2.6% in tier
Loan To Share	90.5% -0.1% YoY-1.6% QoQ	+19.0%	71.5% -0.3% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	Top 14.1% in tier
AMR	$44,634 -0.7% YoY-0.6% QoQ	+$20K	$25,107 +3.2% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	Top 4.6% in tier
CD Concentration	26.5% +4.0% YoY+3.3% QoQ	+1.9%	24.6%	18.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.3%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#50 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.19%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.88%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#89 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.19%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (4)

Shrinking Wallet Share

decline

#201 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.74%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#647 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#444 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.39%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Liquidity Strain

risk

#215 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.53%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 3.39%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $367.52

Peer Median: $159.88

#21 of 1024 Top 2.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.71%

#28 of 1024 Top 2.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,208

Peer Median: $9,434

#32 of 1024 Top 3.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $44,634

Peer Median: $23,006

#47 of 1024 Top 4.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $311.31M

Peer Median: $124.04M

#52 of 1024 Top 5.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $409.62M

Peer Median: $196.38M

#99 of 1024 Top 9.6% in 100M-500M tier

112

Total Deposits

balance_sheet

Value: $343.87M

Peer Median: $170.77M

#112 of 1024 Top 10.8% in 100M-500M tier

122

Member Growth Rate

growth

Value: 4.19%

Peer Median: -0.03%

#122 of 1024 Top 11.8% in 100M-500M tier

123

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.34%

#123 of 1024 Top 11.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1016

Members Per Employee (MPE)

engagement

Value: 161.308

Peer Median: 310.924

#1016 of 1024 Bottom 0.9% in 100M-500M tier

899

First Mortgage Concentration (%)

balance_sheet

Value: 51.47%

Peer Median: 29.92%

#899 of 1024 Bottom 12.3% in 100M-500M tier

858

AMR Growth Rate

growth

Value: -0.74%

Peer Median: 3.53%

#858 of 1024 Bottom 16.3% in 100M-500M tier

800

Net Interest Margin (NIM)

profitability

Value: 3.20%

Peer Median: 3.67%

#800 of 1024 Bottom 22.0% in 100M-500M tier