BlastPoint's Credit Union Scorecard
PORT OF HAMPTON ROADS ILA
Charter #22049 · VA
PORT OF HAMPTON ROADS ILA has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.21% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
- + AMR Growth Rate: Top 2.7% in tier
- + Loan Growth Rate: Top 2.9% in tier
- + Deposit Growth Rate: Top 3.8% in tier
- + Asset Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Efficiency ratio 20.02% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,505
-1.9% YoY-0.6% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$8.4M
+10.9% YoY+6.9% QoQ
|
$-21.8M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$3.4M
+22.2% YoY+10.3% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$7.9M
+15.0% YoY+9.6% QoQ
|
$-17.8M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.0%
-184.3% YoY-103.4% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
5.2%
-5.1% YoY+1.5% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 11.1% in tier |
| Efficiency Ratio |
102.6%
+2.4% YoY-2.2% QoQ
|
+20.0% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 9.4% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
42.8%
+6.2% YoY+0.7% QoQ
|
-17.8% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$7,529
+19.3% YoY+10.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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)