BlastPoint's Credit Union Scorecard
SIGNATURE
Charter #20061 · VA
SIGNATURE has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 28.7% in tier
- + Total Loans: Top 1.2% in tier
- + Loan-to-Share Ratio: Top 3.2% in tier
- + Total Assets: Top 4.6% in tier
- + Total Deposits: Top 7.3% in tier
- + Members Per Employee (MPE): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.4% in tier
- - Liquidity Strain: Bottom 11.8% in tier
- - Efficiency Drag: Bottom 12.2% in tier
- - Credit Risk Growth: Bottom 15.4% in tier
- - ROA 0.86% below tier average
- - Efficiency ratio 12.26% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - Share Certificate Concentration (%): Bottom 1.6% in tier
- - Fee Income Per Member: Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,179
+0.9% YoY-0.3% QoQ
|
+11.6K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 10.3% in tier |
| Assets |
$448.7M
+6.0% YoY-1.9% QoQ
|
+$217.4M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 4.7% in tier |
| Loans |
$363.6M
+2.6% YoY-2.1% QoQ
|
+$215.8M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 1.3% in tier |
| Deposits |
$366.4M
+7.3% YoY-2.5% QoQ
|
+$166.1M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 7.4% in tier |
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| ROA |
-0.1%
-108.6% YoY-68.8% QoQ
|
-0.9% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.4% in tier |
| NIM |
2.9%
-1.0% YoY+3.3% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
89.5%
+44.2% YoY-1.1% QoQ
|
+12.3% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 11.1% in tier |
| Delinquency Rate |
0.9%
+85.2% YoY+98.5% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
99.2%
-4.4% YoY+0.5% QoQ
|
+26.5% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Top 3.2% in tier |
| AMR |
$26,859
+4.0% YoY-2.0% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
50.0%
+10.4% YoY+1.3% QoQ
|
+25.6% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.6%
+80429.1% YoY+106851.7% QoQ
|
-8.3% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)