BlastPoint's Credit Union Scorecard
PLANTERS
Charter #21367 · VA
PLANTERS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.09% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Efficiency ratio 7.03% above tier (higher cost structure)
- - Delinquency rate 10.55% above tier average
- - Member decline: -19.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Member Growth Rate: Bottom 1.9% in tier
- - Deposit Growth Rate: Bottom 4.6% in tier
- - Asset Growth Rate: Bottom 5.6% in tier
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 -12.8% year over year ($1.8M in shares and deposits).
- Membership: 398 members, -19.4% vs a year ago.
- Delinquency rate 12.10%.
- Return on assets 0.21%.
- Efficiency ratio 95.79% vs a 88.77% peer average.
- Loan-to-share ratio 41.06% 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 |
398
-19.4% YoY-15.5% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 11.0% in tier |
| Assets |
$2.4M
-9.7% YoY-0.2% QoQ
|
$-27.9M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.5% in tier |
| Loans |
$755,601
-13.5% YoY-4.4% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.5% in tier |
| Deposits |
$1.8M
-12.8% YoY-0.5% QoQ
|
$-24.0M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-62.6% YoY-52.0% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.3% in tier |
| NIM |
5.0%
-0.4% YoY-7.5% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
95.8%
+10.5% YoY+4.8% QoQ
|
+7.0% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
12.1%
+28.0% YoY+45.9% QoQ
|
+10.6 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.7% in tier |
| Loan To Share |
41.1%
-0.7% YoY-3.9% QoQ
|
-17.8% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$6,522
+7.9% YoY+16.4% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.1% in tier |
| CD Concentration | 0.0% | -24.6% | 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)