BlastPoint's Credit Union Scorecard
SUMMIT HAMPTON ROADS
Charter #19973 · VA
SUMMIT HAMPTON ROADS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.69% below tier average
- - Efficiency ratio 14.76% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 9.5% in tier
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,132
-1.7% YoY-1.1% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$8.0M
-6.6% YoY-2.7% QoQ
|
$-22.1M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$4.7M
-15.4% YoY-5.9% QoQ
|
$-11.0M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$6.8M
-1.2% YoY-2.0% QoQ
|
$-18.9M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.1%
+148.5% YoY+224.2% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.6% in tier |
| NIM |
4.5%
+11.2% YoY+2.0% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
97.3%
-8.9% YoY-2.3% QoQ
|
+14.8% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
1.1%
+516.4% YoY-42.9% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
69.8%
-14.3% YoY-3.9% QoQ
|
+9.2% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$10,196
-6.0% YoY-2.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
5.9%
-14.1% YoY+10.3% QoQ
|
-18.6% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)