BlastPoint's Credit Union Scorecard

SIGNATURE

Charter #20061 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 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

+ Loan-to-Share Ratio: Top 0.4% in tier
+ Total Loans: Top 1.2% in tier
+ Total Members: Top 9.1% in tier
+ Total Assets: Top 9.9% in tier
+ Members Per Employee (MPE): Top 10.0% in tier

Key Concerns

Areas that may need attention

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	26,997 -1.7% YoY-0.7% QoQ	+11.9K	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	Top 9.2% in tier
Assets	$406.7M -11.8% YoY-4.9% QoQ	+$175.0M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Top 10.0% in tier
Loans	$354.0M -2.8% YoY-2.4% QoQ	+$209.8M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	Top 1.3% in tier
Deposits	$319.5M -15.5% YoY-11.4% QoQ	+$118.4M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	85%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -107.7% YoY-173.9% QoQ	-0.7%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Bottom 9.6% in tier
NIM	3.5% +26.5% YoY+13.6% QoQ	-0.2%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	89.5% -6.1% YoY+1.0% QoQ	+11.5%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	1.0% +203.8% YoY-6.2% QoQ	+0.3	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	77%
Loan To Share	110.8% +15.1% YoY+10.2% QoQ	+40.4%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	Top 0.5% in tier
AMR	$24,947 -7.8% YoY-6.2% QoQ	+$29	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	61%
CD Concentration	42.1% -15.8% YoY-9.2% QoQ	+17.8%	24.3%	18.0%	19.8%	50%
Indirect Auto %	4.7% -7.4% QoQ	-9.1%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Capital Constraint

risk

#1 of 16 • 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: 110.79%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -15.55%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 10.86%

(Tier: 11.91%, National: 14.35%)

worse than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

Credit Quality Pressure

risk

#71 of 727 • 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): 0.69% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#33 of 238 • 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): -7.77%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#10 of 53 • 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): -1.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -7.77%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Liquidity Strain

risk

#60 of 183 • 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: 110.79%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -2.83%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Stagnation Risk

risk

#205 of 570 • 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): -1.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.83%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.03%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#287 of 596 • 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: 89.50%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.72% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Institutional Decline

decline

#145 of 250 • 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: $406.67M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.83%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#405 of 570 • 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): -1.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 110.79%

Peer Median: 71.88%

#5 of 1070 Top 0.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $353.98M

Peer Median: $121.41M

#14 of 1070 Top 1.2% in 100M-500M tier

Total Members

engagement

Value: 26,997

Peer Median: 13,200

#98 of 1070 Top 9.1% in 100M-500M tier

107

Total Assets

balance_sheet

Value: $406.67M

Peer Median: $196.57M

#107 of 1070 Top 9.9% in 100M-500M tier

108

Members Per Employee (MPE)

engagement

Value: 457.576

Peer Median: 309.176

#108 of 1070 Top 10.0% in 100M-500M tier

164

Total Deposits

balance_sheet

Value: $319.51M

Peer Median: $171.29M

#164 of 1070 Top 15.2% in 100M-500M tier

188

Loan-to-Member Ratio (LMR)

engagement

Value: $13,112

Peer Median: $9,356

#188 of 1070 Top 17.5% in 100M-500M tier

Top Weaknesses (10 metrics)

1067

Deposit Growth Rate

growth

Value: -15.55%

Peer Median: 3.30%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1064

Asset Growth Rate

growth

Value: -11.78%

Peer Median: 3.91%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1040

AMR Growth Rate

growth

Value: -7.77%

Peer Median: 3.46%

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1014

Share Certificate Concentration (%)

balance_sheet

Value: 42.08%

Peer Median: 23.10%

#1014 of 1070 Bottom 5.3% in 100M-500M tier

988

Fee Income Per Member

profitability

Value: $72.60

Peer Median: $154.95

#988 of 1070 Bottom 7.8% in 100M-500M tier

967

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: 0.69%

#967 of 1070 Bottom 9.7% in 100M-500M tier

900

Efficiency Ratio

profitability

Value: 89.50%

Peer Median: 78.68%

#900 of 1070 Bottom 16.0% in 100M-500M tier

878

Loan Growth Rate

growth

Value: -2.83%

Peer Median: 2.93%

#878 of 1070 Bottom 18.0% in 100M-500M tier

862

Net Charge-Off Rate

risk

Value: 0.74%

Peer Median: 0.35%

#862 of 1070 Bottom 19.5% in 100M-500M tier

826

Total Delinquency Rate (60+ days)

risk

Value: 1.03%

Peer Median: 0.61%

#826 of 1070 Bottom 22.9% in 100M-500M tier