BlastPoint's Credit Union Scorecard
PORT OF HAMPTON ROADS ILA
Charter #22049 · VA
PORT OF HAMPTON ROADS ILA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 3.64% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.4% 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 +0.9% year over year ($7.7M in shares and deposits).
- Membership: 1,512 members, -1.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.52%.
- Efficiency ratio 92.41% vs a 88.77% peer average.
- Loan-to-share ratio 48.52% 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 |
1,512
-1.3% YoY+0.1% QoQ
|
-1.1K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$8.4M
+1.6% YoY-7.8% QoQ
|
$-21.9M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$3.7M
+27.1% YoY+2.2% QoQ
|
$-11.7M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$7.7M
+0.9% YoY-8.9% QoQ
|
$-18.1M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
30% |
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 |
0.5%
-236.1% YoY+116.9% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
5.0%
+6.1% YoY+21.6% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Top 12.2% in tier |
| Efficiency Ratio |
92.4%
-13.0% YoY-3.6% QoQ
|
+3.6% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
48.5%
+26.0% YoY+12.2% QoQ
|
-10.4% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$7,590
+9.6% YoY-5.6% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
17% |
| 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)