BlastPoint's Credit Union Scorecard
BEACH MUNICIPAL
Charter #20394 · VA
BEACH MUNICIPAL has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 29.6% in tier
- + Profitability Leader: Top 53.7% in tier
- + ROA 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 8.4% in tier
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.0% in tier
- - Credit Quality Pressure: Bottom 12.9% in tier
- - Credit Risk Growth: Bottom 18.8% in tier
- - Membership Headwinds: Bottom 23.7% in tier
- - Delinquency rate 0.04% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,031
-1.5% YoY+0.7% QoQ
|
-6.6K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$184.4M
+11.0% YoY+3.2% QoQ
|
$-46.9M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$94.7M
+3.4% YoY-0.5% QoQ
|
$-53.1M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$159.3M
+10.9% YoY+3.3% QoQ
|
$-41.0M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
1.4%
+19.7% YoY-0.7% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Top 14.5% in tier |
| NIM |
3.5%
+0.1% YoY-0.6% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
64.1%
-6.5% YoY+0.1% QoQ
|
-13.2% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
0.9%
+36.5% YoY+10.5% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
59.4%
-6.7% YoY-3.6% QoQ
|
-13.3% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$28,119
+9.6% YoY+1.2% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
16.6%
+71.4% YoY+12.1% QoQ
|
-7.8% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)