BlastPoint's Credit Union Scorecard
PLANTERS
Charter #21367 · VA
2556 CUs in <100M nationally
48 in VA
PLANTERS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.20% above tier average
- + Strong member growth: 10.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 10.47% above tier (higher cost structure)
- - Delinquency rate 4.97% above tier average
- - AMR Growth Rate: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.1% in tier
- - Net Charge-Off Rate: Bottom 5.0% in tier
- - Loan Growth Rate: Bottom 8.5% in tier
- - Total Loans: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
477
+10.2% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 12.8% in tier |
| Assets |
$2.5M
-4.3% YoY-1.1% QoQ
|
$-27.7M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.0% in tier |
| Loans |
$829,930
-16.6% YoY-1.4% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.8% in tier |
| Deposits |
$1.9M
-6.4% YoY-1.8% QoQ
|
$-23.8M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.2% in tier |
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| ROA |
0.2%
-68.3% YoY-72.4% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
5.1%
-6.5% YoY+0.2% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
93.0%
+2.9% YoY+7.6% QoQ
|
+10.5% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
6.5%
+43.2% YoY+29.2% QoQ
|
+5.0 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 4.1% in tier |
| Loan To Share |
43.3%
-10.9% YoY+0.4% QoQ
|
-17.3% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$5,756
-18.1% YoY-1.7% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
71
Member Growth Rate
growth
Value:
10.16%
Peer Median: -
#71 of 2556
Top 2.7% in <100M tier
292
Net Interest Margin (NIM)
profitability
Value:
5.15%
Peer Median: -
#292 of 2556
Top 11.4% in <100M tier
499
Net Worth Ratio
risk
Value:
20.93%
Peer Median: -
#499 of 2556
Top 19.5% in <100M tier
Top Weaknesses (15 metrics)
2500
AMR Growth Rate
growth
Value:
-18.08%
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2452
Total Delinquency Rate (60+ days)
risk
Value:
6.53%
Peer Median: -
#2452 of 2556
Bottom 4.1% in <100M tier
2429
Net Charge-Off Rate
risk
Value:
2.27%
Peer Median: -
#2429 of 2556
Bottom 5.0% in <100M tier
2339
Loan Growth Rate
growth
Value:
-16.60%
Peer Median: -
#2339 of 2556
Bottom 8.5% in <100M tier
2305
Total Loans
balance_sheet
Value:
$829,930
Peer Median: -
#2305 of 2556
Bottom 9.9% in <100M tier
2294
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,740
Peer Median: -
#2294 of 2556
Bottom 10.3% in <100M tier
2275
Total Assets
balance_sheet
Value:
$2.48M
Peer Median: -
#2275 of 2556
Bottom 11.0% in <100M tier
2271
Total Deposits
balance_sheet
Value:
$1.92M
Peer Median: -
#2271 of 2556
Bottom 11.2% in <100M tier
2270
Average Member Relationship (AMR)
engagement
Value:
$5,756
Peer Median: -
#2270 of 2556
Bottom 11.2% in <100M tier
2227
Total Members
engagement
Value:
477
Peer Median: -
#2227 of 2556
Bottom 12.9% in <100M tier