BlastPoint's Credit Union Scorecard
PORT OF HAMPTON ROADS ILA
Charter #22049 · VA
PORT OF HAMPTON ROADS ILA has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 1.6% in tier
- + AMR Growth Rate: Top 3.7% in tier
- + Deposit Growth Rate: Top 8.5% in tier
- + Asset Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.27% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,511
-1.0% YoY+0.4% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$9.1M
+9.1% YoY+8.3% QoQ
|
$-21.1M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$3.7M
+32.3% YoY+7.9% QoQ
|
$-11.6M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$8.5M
+9.9% YoY+6.9% QoQ
|
$-17.3M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
0.2%
-139.4% YoY
|
+0.1% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
4.1%
-14.4% YoY-20.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
95.9%
-13.0% YoY-6.5% QoQ
|
+5.3% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
43.2%
+20.4% YoY+1.0% QoQ
|
-15.3% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$8,039
+17.0% YoY+6.8% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
19% |
| 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)