BlastPoint's Credit Union Scorecard
PARK VIEW
Charter #19541 · VA
PARK VIEW has 12 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 4.3% in tier
- + Organic Growth Leader: Top 7.9% in tier
- + Credit Quality Leader: Top 10.6% in tier
- + ROA 0.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 2.8% in tier
- + Total Delinquency Rate (60+ days): Top 3.1% in tier
- + Average Member Relationship (AMR): Top 3.8% in tier
- + Fee Income Per Member: Top 4.6% in tier
- + Total Loans: Top 5.4% in tier
- + Net Charge-Off Rate: Top 6.9% in tier
- + Loan-to-Share Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 5.5% in tier
- - Shrinking Wallet Share: Bottom 9.3% in tier
- - Liquidity Strain: Bottom 25.1% in tier
- - Members Per Employee (MPE): Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,221
+4.4% YoY+0.9% QoQ
|
-1.4K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$389.6M
+2.8% YoY-1.8% QoQ
|
+$158.3M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 12.3% in tier |
| Loans |
$306.2M
-2.7% YoY+1.7% QoQ
|
+$158.4M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 5.5% in tier |
| Deposits |
$324.2M
+4.2% YoY-2.5% QoQ
|
+$123.9M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 14.2% in tier |
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| ROA |
0.9%
+23.3% YoY+15.0% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.1%
+5.1% YoY+3.8% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
77.0%
-2.2% YoY-2.8% QoQ
|
-0.3% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.1%
-2.3% YoY+127.9% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 3.1% in tier |
| Loan To Share |
94.4%
-6.7% YoY+4.2% QoQ
|
+21.7% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Top 8.4% in tier |
| AMR |
$44,328
-3.5% YoY-1.4% QoQ
|
+$20K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Top 3.9% in tier |
| CD Concentration |
25.1%
+8.1% YoY-1.4% QoQ
|
+0.7% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)