BlastPoint's Credit Union Scorecard
PLANTERS
Charter #21367 · VA
PLANTERS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Net Interest Margin 1.38% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.80% above tier (higher cost structure)
- - Delinquency rate 6.79% above tier average
- - Member decline: -5.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 6.6% in tier
- - Total Loans: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
471
-5.6% YoY-1.3% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 12.7% in tier |
| Assets |
$2.4M
-8.6% YoY-3.0% QoQ
|
$-27.8M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.8% in tier |
| Loans |
$789,985
-14.3% YoY-4.8% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.8% in tier |
| Deposits |
$1.8M
-11.9% YoY-3.5% QoQ
|
$-23.9M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.9% in tier |
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| ROA |
0.4%
+122.3% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
5.4%
+6.4% YoY+4.7% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
91.4%
+8.3% YoY-1.7% QoQ
|
+0.8% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
8.3%
+24.8% YoY+27.1% QoQ
|
+6.8 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
42.7%
-2.8% YoY-1.4% QoQ
|
-15.8% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$5,604
-7.5% YoY-2.7% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.6% in tier |
| CD Concentration | 0.0% | -24.3% | 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)