BlastPoint's Credit Union Scorecard
PARK VIEW
Charter #19541 · VA
PARK VIEW has 10 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.8% in tier
- + Organic Growth Leader: Top 22.3% in tier
- + ROA 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 2.9% in tier
- + Average Member Relationship (AMR): Top 3.8% in tier
- + Fee Income Per Member: Top 4.6% in tier
- + Total Loans: Top 5.2% in tier
- + Total Delinquency Rate (60+ days): Top 5.8% in tier
- + Net Charge-Off Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 67.6% in tier
- - Credit Quality Pressure: Bottom 81.4% in tier
- - Liquidity Strain: Bottom 93.0% in tier
- - Members Per Employee (MPE): Bottom 1.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,384
+4.6% YoY+1.1% QoQ
|
-1.1K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$404.7M
+4.9% YoY+3.9% QoQ
|
+$172.9M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 10.6% in tier |
| Loans |
$308.1M
+0.1% YoY+0.6% QoQ
|
+$160.7M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 5.3% in tier |
| Deposits |
$336.6M
+5.5% YoY+3.8% QoQ
|
+$135.8M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 12.3% in tier |
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| ROA |
1.0%
+23.5% YoY+5.8% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.1%
+5.9% YoY+0.5% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
75.6%
-2.6% YoY-1.7% QoQ
|
-1.4% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.1%
+126.4% YoY+83.8% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.8% in tier |
| Loan To Share |
91.5%
-5.2% YoY-3.1% QoQ
|
+19.3% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Top 11.2% in tier |
| AMR |
$44,821
-1.7% YoY+1.1% QoQ
|
+$20K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 3.9% in tier |
| CD Concentration |
24.7%
+1.7% YoY-1.8% QoQ
|
+0.2% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)