BlastPoint's Credit Union Scorecard
PLANTERS
Charter #21367 · VA
2596 CUs in <100M nationally
49 in VA
PLANTERS has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Net Interest Margin 1.21% above tier average
- + Strong member growth: 12.5% 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 3.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.03% above tier (higher cost structure)
- - Delinquency rate 3.54% above tier average
- - AMR Growth Rate: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
- - Net Charge-Off Rate: Bottom 6.6% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
477
+12.5% YoY-3.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 13.1% in tier |
| Assets |
$2.5M
-4.2% YoY-5.7% QoQ
|
$-27.3M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.5% in tier |
| Loans |
$841,947
-18.6% YoY-3.6% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.3% in tier |
| Deposits |
$2.0M
-5.6% YoY-7.6% QoQ
|
$-23.5M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.8% in tier |
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| ROA |
0.7%
-43.9% YoY+26.7% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
5.1%
-7.8% YoY+2.7% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
86.4%
-0.6% YoY-0.3% QoQ
|
+5.0% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
5.1%
+1.1% YoY-46.6% QoQ
|
+3.5 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 6.0% in tier |
| Loan To Share |
43.2%
-13.8% YoY+4.4% QoQ
|
-18.1% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$5,854
-19.9% YoY-3.1% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.5% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
78
Member Growth Rate
growth
Value:
12.50%
Peer Avg: -
#78 of 2596
Top 3.0% in <100M tier
302
Net Interest Margin (NIM)
profitability
Value:
5.14%
Peer Avg: -
#302 of 2596
Top 11.6% in <100M tier
495
Net Worth Ratio
risk
Value:
21.06%
Peer Avg: -
#495 of 2596
Top 19.0% in <100M tier
Top Weaknesses (14 metrics)
2541
AMR Growth Rate
growth
Value:
-19.94%
Peer Avg: -
#2541 of 2596
Bottom 2.2% in <100M tier
2440
Total Delinquency Rate (60+ days)
risk
Value:
5.05%
Peer Avg: -
#2440 of 2596
Bottom 6.0% in <100M tier
2425
Net Charge-Off Rate
risk
Value:
1.81%
Peer Avg: -
#2425 of 2596
Bottom 6.6% in <100M tier
2407
Loan Growth Rate
growth
Value:
-18.59%
Peer Avg: -
#2407 of 2596
Bottom 7.3% in <100M tier
2329
Total Loans
balance_sheet
Value:
$841,947
Peer Avg: -
#2329 of 2596
Bottom 10.3% in <100M tier
2323
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,765
Peer Avg: -
#2323 of 2596
Bottom 10.6% in <100M tier
2298
Total Assets
balance_sheet
Value:
$2.51M
Peer Avg: -
#2298 of 2596
Bottom 11.5% in <100M tier
2297
Average Member Relationship (AMR)
engagement
Value:
$5,854
Peer Avg: -
#2297 of 2596
Bottom 11.6% in <100M tier
2290
Total Deposits
balance_sheet
Value:
$1.95M
Peer Avg: -
#2290 of 2596
Bottom 11.8% in <100M tier
2256
Total Members
engagement
Value:
477
Peer Avg: -
#2256 of 2596
Bottom 13.1% in <100M tier