BlastPoint's Credit Union Scorecard
STRATEGIC
Charter #21319 · VA
STRATEGIC has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.8% in tier
- + Average Member Relationship (AMR): Top 1.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Member decline: -4.8% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
942
-4.8% YoY-1.6% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$22.9M
+1.9% YoY-0.5% QoQ
|
$-7.0M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$17.0M
+4.6% YoY-0.8% QoQ
|
+$1.2M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$20.6M
+1.8% YoY-0.5% QoQ
|
$-4.9M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.6%
-39.6% YoY+28.5% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
4.0%
-1.5% YoY+2.9% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
79.6%
+6.9% YoY-1.1% QoQ
|
-1.8% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.9%
-52.6% YoY+10.8% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
82.4%
+2.7% YoY-0.3% QoQ
|
+21.2% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$39,883
+8.3% YoY+1.0% QoQ
|
+$25K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Top 1.1% in tier |
| CD Concentration |
24.8%
+19.0% YoY-0.1% QoQ
|
+0.4% |
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 (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)