BlastPoint's Credit Union Scorecard

SIGNATURE

Charter #20061 · VA

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

SIGNATURE has 5 strengths but faces 11 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 15.2% in tier
  • - Liquidity Strain: Bottom 30.4% in tier
  • - Efficiency Drag: Bottom 31.1% in tier
  • - Credit Risk Growth: Bottom 43.5% in tier
  • - Deposit Outflow: Bottom 80.9% in tier
  • - ROA 0.83% below tier average
  • - Efficiency ratio 11.62% above tier (higher cost structure)
  • - Delinquency rate 0.21% above tier average
  • - Share Certificate Concentration (%): Bottom 3.1% in tier
  • - Asset Growth Rate: Bottom 3.9% in tier
  • - Fee Income Per Member: Bottom 4.5% in tier

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

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%
-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
 Top 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%
+85488.7% YoY-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 15.2% 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 30.4% 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 31.1% 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 43.5% 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 80.9% 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)

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

15
Total Loans
balance_sheet
Value: $362.57M
Peer Median: -
#15 of 1069 Top 1.3% in 100M-500M tier
24
Loan-to-Share Ratio
balance_sheet
Value: 100.56%
Peer Median: -
#24 of 1069 Top 2.2% in 100M-500M tier
75
Total Assets
balance_sheet
Value: $427.60M
Peer Median: -
#75 of 1069 Top 6.9% in 100M-500M tier
92
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
Link copied to clipboard!