BlastPoint's Credit Union Scorecard

SUMMIT HAMPTON ROADS

Charter #19973 · VA

<100M

2508 CUs in <100M nationally 48 in VA

SUMMIT HAMPTON ROADS has 1 strength but faces 5 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

+ Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

- ROA 2.65% below tier average
- Efficiency ratio 18.92% above tier (higher cost structure)
- Delinquency rate 1.17% above tier average
- Net Charge-Off Rate: Bottom 4.1% in tier
- Loan Growth Rate: Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	1,111 -0.4% YoY-1.9% QoQ	-1.6K	2,676 +1.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	31%
Assets	$8.2M -1.9% YoY+3.0% QoQ	$-21.9M	$30.2M +1.3% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	28%
Loans	$4.4M -17.6% YoY-8.0% QoQ	$-10.9M	$15.3M -2.0% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	31%
Deposits	$7.0M +0.8% YoY+3.3% QoQ	$-18.8M	$25.8M +0.7% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	28%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-2.5% +70.5% YoY+134.1% QoQ	-2.7%	0.1% -77.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Bottom 3.8% in tier
NIM	4.3% +7.3% YoY-4.5% QoQ	+0.3%	4.0% +4.0% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	109.6% +1.5% YoY+12.6% QoQ	+18.9%	90.6% +6.5% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Bottom 9.8% in tier
Delinquency Rate	2.7% +151.8% QoQ	+1.2	1.5% +3.8% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	Bottom 13.3% in tier
Loan To Share	62.2% -18.3% YoY-10.9% QoQ	+3.7%	58.5% -3.0% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	55%
AMR	$10,252 -6.8% YoY+0.5% QoQ	$-5K	$14,884 -1.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	30%
CD Concentration	5.6% -18.7% YoY-4.0% QoQ	-18.7%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

350

Fee Income Per Member

profitability

Value: $140.62

Peer Median: $60.42

#350 of 2508 Top 13.9% in <100M tier

Top Weaknesses (6 metrics)

2413

Return on Assets (ROA)

profitability

Value: -2.51%

Peer Median: 0.61%

#2413 of 2508 Bottom 3.8% in <100M tier

2406

Net Charge-Off Rate

risk

Value: 2.90%

Peer Median: 0.07%

#2406 of 2508 Bottom 4.1% in <100M tier

2289

Loan Growth Rate

growth

Value: -17.58%

Peer Median: -2.36%

#2289 of 2508 Bottom 8.8% in <100M tier

2264

Efficiency Ratio

profitability

Value: 109.55%

Peer Median: 81.45%

#2264 of 2508 Bottom 9.8% in <100M tier

2201

AMR Growth Rate

growth

Value: -6.78%

Peer Median: 1.27%

#2201 of 2508 Bottom 12.3% in <100M tier

2176

Total Delinquency Rate (60+ days)

risk

Value: 2.67%

Peer Median: 0.65%

#2176 of 2508 Bottom 13.3% in <100M tier