BlastPoint's Credit Union Scorecard
STRATEGIC
Charter #21319 · VA
STRATEGIC has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
- + Average Member Relationship (AMR): Top 1.1% in tier
- + Net Charge-Off Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 1.37% above tier (higher cost structure)
- - Member decline: -5.2% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -0.2% year over year ($20.6M in shares and deposits).
- Membership: 907 members, -5.2% vs a year ago.
- Delinquency rate 1.11%.
- Return on assets 0.39%.
- Efficiency ratio 90.14% vs a 88.77% peer average.
- Loan-to-share ratio 74.80% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
907
-5.2% YoY-1.5% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$23.1M
+0.3% YoY-1.8% QoQ
|
$-7.2M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$15.4M
-9.8% YoY-0.6% QoQ
|
$-22K |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$20.6M
-0.2% YoY-2.0% QoQ
|
$-5.2M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.4%
-16.7% YoY-26.7% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
3.7%
-5.2% YoY+1.2% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
90.1%
+12.0% YoY+3.6% QoQ
|
+1.4% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
1.1%
+35.5% YoY-3.2% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
74.8%
-9.5% YoY+1.4% QoQ
|
+15.9% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$39,772
+0.7% YoY+0.1% QoQ
|
+$25K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Top 1.1% in tier |
| CD Concentration |
26.0%
+4.7% YoY+3.7% QoQ
|
+1.4% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)