BlastPoint's Credit Union Scorecard
STRATEGIC
Charter #21319 · VA
STRATEGIC has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
- + Average Member Relationship (AMR): Top 1.2% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
921
-5.1% YoY-1.0% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$23.5M
+0.7% YoY-0.1% QoQ
|
$-6.7M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$15.5M
-9.0% YoY-6.7% QoQ
|
+$254K |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$21.1M
-0.0% YoY-0.4% QoQ
|
$-4.7M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.5%
+847.5% YoY-18.7% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.7%
-4.8% YoY-8.7% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
43% |
| Efficiency Ratio |
87.0%
+7.0% YoY+9.3% QoQ
|
-3.6% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
1.2%
-24.2% YoY+57.6% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
73.8%
-8.9% YoY-6.3% QoQ
|
+15.3% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$39,731
+1.2% YoY-2.2% QoQ
|
+$25K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Top 1.2% in tier |
| CD Concentration |
25.1%
+9.1% YoY-1.0% QoQ
|
+0.8% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 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)