BlastPoint's Credit Union Scorecard

PARK VIEW

Charter #19541 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 in VA

PARK VIEW has 8 strengths but faces 4 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
+ ROA 0.14% above tier average
+ Total Delinquency Rate (60+ days): Top 1.6% in tier
+ Fee Income Per Member: Top 2.7% in tier
+ Loan-to-Member Ratio (LMR): Top 2.8% in tier
+ Average Member Relationship (AMR): Top 3.8% in tier
+ Total Loans: Top 4.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency ratio 0.79% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	14,469 +3.9% YoY+0.6% QoQ	-676	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	57%
Assets	$406.5M +1.8% YoY+0.4% QoQ	+$174.8M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Top 10.1% in tier
Loans	$311.3M +3.2% YoY+1.0% QoQ	+$167.1M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	Top 4.8% in tier
Deposits	$338.3M +1.8% YoY+0.5% QoQ	+$137.1M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	Top 12.0% 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% +31.7% YoY-11.7% QoQ	+0.1%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	62%
NIM	3.2% +8.2% YoY+1.2% QoQ	-0.5%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	78.8% -3.9% YoY+4.2% QoQ	+0.8%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	0.0% -77.6% QoQ	-0.7	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	Top 1.6% in tier
Loan To Share	92.0% +1.3% YoY+0.6% QoQ	+21.6%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	Top 8.2% in tier
AMR	$44,891 -1.3% YoY+0.2% QoQ	+$20K	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	Top 3.9% in tier
CD Concentration	25.6% +5.4% YoY+4.0% QoQ	+1.4%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#49 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.87%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.87%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#116 of 371 • 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): 3.87%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#141 of 183 • 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: 92.02%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.19%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#186 of 238 • 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): -1.35%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 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 1070 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: 0.61%

#18 of 1070 Top 1.6% in 100M-500M tier

Fee Income Per Member

profitability

Value: $337.33

Peer Median: $154.95

#30 of 1070 Top 2.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,513

Peer Median: $9,356

#31 of 1070 Top 2.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $44,891

Peer Median: $22,931

#42 of 1070 Top 3.8% in 100M-500M tier

Total Loans

balance_sheet

Value: $311.27M

Peer Median: $121.41M

#51 of 1070 Top 4.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.02%

Peer Median: 71.88%

#88 of 1070 Top 8.1% in 100M-500M tier

108

Total Assets

balance_sheet

Value: $406.54M

Peer Median: $196.57M

#108 of 1070 Top 10.0% in 100M-500M tier

125

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.35%

#125 of 1070 Top 11.6% in 100M-500M tier

128

Total Deposits

balance_sheet

Value: $338.26M

Peer Median: $171.29M

#128 of 1070 Top 11.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1064

Members Per Employee (MPE)

engagement

Value: 162.573

Peer Median: 309.176

#1064 of 1070 Bottom 0.7% in 100M-500M tier

939

First Mortgage Concentration (%)

balance_sheet

Value: 51.35%

Peer Median: 29.47%

#939 of 1070 Bottom 12.3% in 100M-500M tier

917

AMR Growth Rate

growth

Value: -1.35%

Peer Median: 3.46%

#917 of 1070 Bottom 14.4% in 100M-500M tier

832

Net Interest Margin (NIM)

profitability

Value: 3.15%

Peer Median: 3.62%

#832 of 1070 Bottom 22.3% in 100M-500M tier