BlastPoint's Credit Union Scorecard
BEACH MUNICIPAL
Charter #20394 · VA
BEACH MUNICIPAL has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 31.0% in tier
- + ROA 0.60% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 6.0% in tier
- + Asset Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.8% in tier
- - Credit Risk Growth: Bottom 64.6% in tier
- - Stagnation Risk: Bottom 73.8% in tier
- - Membership Headwinds: Bottom 83.4% in tier
- - Delinquency rate 0.07% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,009
-1.1% YoY-0.2% QoQ
|
-6.4K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$188.3M
+12.7% YoY+2.1% QoQ
|
$-43.6M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$94.6M
+1.6% YoY-0.0% QoQ
|
$-52.7M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$162.5M
+12.8% YoY+2.0% QoQ
|
$-38.3M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
1.4%
+8.3% YoY-2.6% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 14.1% in tier |
| NIM |
3.4%
-2.0% YoY-1.1% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
64.5%
-4.9% YoY+0.7% QoQ
|
-12.5% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
1.0%
+58.2% YoY+8.3% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
58.2%
-9.9% YoY-2.0% QoQ
|
-14.0% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$28,538
+9.6% YoY+1.5% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
17.2%
+63.2% YoY+3.4% QoQ
|
-7.3% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)