BlastPoint's Credit Union Scorecard

SIGNATURE

Charter #20061 · VA

100M-500M

1069 CUs in 100M-500M nationally 25 in VA

SIGNATURE has 5 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

+ Total Loans: Top 1.3% in tier
+ Loan-to-Share Ratio: Top 2.2% in tier
+ Total Assets: Top 6.9% in tier
+ Total Deposits: Top 8.5% in tier
+ Total Members: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.83% below tier average
- Efficiency ratio 11.62% above tier (higher cost structure)
- Delinquency rate 0.21% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	27,187 +0.4% YoY+0.0% QoQ	+11.7K	15,437 -2.9% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	Top 9.7% in tier
Assets	$427.6M -3.7% YoY-4.7% QoQ	+$195.7M	$231.9M +1.3% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	Top 7.0% in tier
Loans	$362.6M +2.8% YoY-0.3% QoQ	+$215.2M	$147.3M -0.1% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	Top 1.4% in tier
Deposits	$360.5M -0.7% YoY-1.6% QoQ	+$159.7M	$200.8M +0.8% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	Top 8.6% 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	-0.1% -110.8% YoY-9.7% QoQ	-0.8%	0.8% +18.2% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	Bottom 5.8% in tier
NIM	3.1% +1.6% YoY+4.6% QoQ	-0.5%	3.6% +6.7% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	21%
Efficiency Ratio	88.6% +31.9% YoY-1.0% QoQ	+11.6%	77.0% -3.1% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	Bottom 12.5% in tier
Delinquency Rate	1.1% +99.2% YoY+23.6% QoQ	+0.2	0.9% +4.2% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	74%
Loan To Share	100.6% +3.5% YoY+1.3% QoQ	+28.3%	72.2% -1.1% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	Top 2.2% in tier
AMR	$26,598 +0.6% YoY-1.0% QoQ	+$2K	$24,676 +3.4% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	70%
CD Concentration	46.4% -5.5% YoY-7.2% QoQ	+21.9%	24.4%	18.3%	19.8%	50%
Indirect Auto %	5.1% -9.3% QoQ	-8.7%	13.8%	9.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#108 of 705 • 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): 0.55% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Strain

risk

#70 of 228 • 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: 100.56%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 2.81%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Efficiency Drag

risk

#168 of 538 • 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: 88.64%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.72% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.41%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Risk Growth

risk

#199 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.81%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.55% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Deposit Outflow

decline

#56 of 69 • 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): -0.66%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.41%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | 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 1069 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $362.57M

Peer Median: -

#15 of 1069 Top 1.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.56%

Peer Median: -

#24 of 1069 Top 2.2% in 100M-500M tier

Total Assets

balance_sheet

Value: $427.60M

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $360.54M

Peer Median: -

#92 of 1069 Top 8.5% in 100M-500M tier

104

Total Members

engagement

Value: 27,187

Peer Median: -

#104 of 1069 Top 9.6% in 100M-500M tier

129

Members Per Employee (MPE)

engagement

Value: 445.689

Peer Median: -

#129 of 1069 Top 12.0% in 100M-500M tier

182

Loan-to-Member Ratio (LMR)

engagement

Value: $13,336

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1037

Share Certificate Concentration (%)

balance_sheet

Value: 46.36%

Peer Median: -

#1037 of 1069 Bottom 3.1% in 100M-500M tier

1028

Asset Growth Rate

growth

Value: -3.70%

Peer Median: -

#1028 of 1069 Bottom 3.9% in 100M-500M tier

1022

Fee Income Per Member

profitability

Value: $70.90

Peer Median: -

#1022 of 1069 Bottom 4.5% in 100M-500M tier

1007

Return on Assets (ROA)

profitability

Value: -0.07%

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

936

Efficiency Ratio

profitability

Value: 88.64%

Peer Median: -

#936 of 1069 Bottom 12.5% in 100M-500M tier

920

Deposit Growth Rate

growth

Value: -0.66%

Peer Median: -

#920 of 1069 Bottom 14.0% in 100M-500M tier

845

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: -

#845 of 1069 Bottom 21.0% in 100M-500M tier

823

AMR Growth Rate

growth

Value: 0.64%

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier