BlastPoint's Credit Union Scorecard

SIGNATURE

Charter #20061 · VA

100M-500M

1024 CUs in 100M-500M nationally 24 in VA

SIGNATURE has 4 strengths but faces 8 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

+ Loan-to-Share Ratio: Top 1.2% in tier
+ Total Loans: Top 2.1% in tier
+ Total Assets: Top 8.5% in tier
+ Total Members: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
Shares and deposits -12.6% year over year ($329M in shares and deposits).
Membership: 27,015 members, -0.9% vs a year ago.
Delinquency rate 1.53%.
Return on assets 0.16%.
Efficiency ratio 90.69% vs a 76.73% peer average.
Loan-to-share ratio 106.08% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	27,015 -0.9% YoY+0.1% QoQ	+11.8K	15,168 -2.6% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	Top 9.5% in tier
Assets	$421.4M -7.9% YoY+3.6% QoQ	+$189.4M	$232.0M +0.7% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	Top 8.6% in tier
Loans	$348.7M -6.1% YoY-1.5% QoQ	+$202.4M	$146.3M +0.2% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	Top 2.1% in tier
Deposits	$328.7M -12.6% YoY+2.9% QoQ	+$128.0M	$200.7M +0.2% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	Top 13.6% in tier

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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	0.2% -164.5% YoY+209.2% QoQ	-0.7%	0.9% +12.5% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	Bottom 6.5% in tier
NIM	3.3% +17.5% YoY-4.3% QoQ	-0.4%	3.7% +4.5% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	29%
Efficiency Ratio	90.7% +0.2% YoY+1.3% QoQ	+14.0%	76.7% -0.8% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	Bottom 10.2% in tier
Delinquency Rate	1.5% +240.5% YoY+48.0% QoQ	+0.6	0.9% +6.6% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	Bottom 13.7% in tier
Loan To Share	106.1% +7.4% YoY-4.3% QoQ	+34.5%	71.5% -0.3% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	Top 1.3% in tier
AMR	$25,072 -8.5% YoY+0.5% QoQ	$-34	$25,107 +3.2% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	61%
CD Concentration	46.1% -6.4% YoY+9.6% QoQ	+21.6%	24.6%	18.0%	20.0%	50%
Indirect Auto %	4.3% -9.7% QoQ	-9.4%	13.6%	9.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Capital Constraint

risk

#1 of 19 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 106.08%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -12.56%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 10.54%

(Tier: 12.53%, National: 14.66%)

worse than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 CUs YoY | New qualifier

Deposit Outflow

decline

#3 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -12.56%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Credit Quality Pressure

risk

#41 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#23 of 223 • 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): -8.53%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Efficiency Drag

risk

#125 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.69%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.41% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#14 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -8.53%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Stagnation Risk

risk

#186 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.53%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Liquidity Strain

risk

#96 of 224 • 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: 106.08%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -6.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Institutional Decline

decline

#116 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $421.45M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#474 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 106.08%

Peer Median: 73.07%

#13 of 1024 Top 1.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $348.65M

Peer Median: $124.04M

#22 of 1024 Top 2.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $421.45M

Peer Median: $196.38M

#88 of 1024 Top 8.5% in 100M-500M tier

Total Members

engagement

Value: 27,015

Peer Median: 13,128

#97 of 1024 Top 9.4% in 100M-500M tier

107

Members Per Employee (MPE)

engagement

Value: 457.881

Peer Median: 310.924

#107 of 1024 Top 10.4% in 100M-500M tier

139

Total Deposits

balance_sheet

Value: $328.67M

Peer Median: $170.77M

#139 of 1024 Top 13.5% in 100M-500M tier

206

Loan-to-Member Ratio (LMR)

engagement

Value: $12,906

Peer Median: $9,434

#206 of 1024 Top 20.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1021

Deposit Growth Rate

growth

Value: -12.56%

Peer Median: 3.58%

#1021 of 1024 Bottom 0.4% in 100M-500M tier

1014

Asset Growth Rate

growth

Value: -7.86%

Peer Median: 4.12%

#1014 of 1024 Bottom 1.1% in 100M-500M tier

1005

AMR Growth Rate

growth

Value: -8.53%

Peer Median: 3.53%

#1005 of 1024 Bottom 2.0% in 100M-500M tier

992

Share Certificate Concentration (%)

balance_sheet

Value: 46.13%

Peer Median: 23.39%

#992 of 1024 Bottom 3.2% in 100M-500M tier

960

Fee Income Per Member

profitability

Value: $73.73

Peer Median: $159.88

#960 of 1024 Bottom 6.3% in 100M-500M tier

957

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Median: 0.75%

#957 of 1024 Bottom 6.6% in 100M-500M tier

948

Loan Growth Rate

growth

Value: -6.10%

Peer Median: 3.02%

#948 of 1024 Bottom 7.5% in 100M-500M tier

921

Efficiency Ratio

profitability

Value: 90.69%

Peer Median: 77.26%

#921 of 1024 Bottom 10.2% in 100M-500M tier

885

Total Delinquency Rate (60+ days)

risk

Value: 1.53%

Peer Median: 0.71%

#885 of 1024 Bottom 13.7% in 100M-500M tier