BlastPoint's Credit Union Scorecard

CENTRAL VIRGINIA

Charter #22307 · VA

1077 CUs in 100M-500M nationally 25 in VA

CENTRAL VIRGINIA has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 29.5% in tier
+ Wallet Share Momentum: Top 87.9% in tier
+ ROA 0.86% above tier average
+ Net Interest Margin 1.13% above tier average
+ Share Certificate Concentration (%): Top 1.8% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 8.6% in tier
- Membership Headwinds: Bottom 23.9% in tier
- Delinquency rate 0.73% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	13,060 -1.5% YoY-0.3% QoQ	-2.6K	15,628 -3.4% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	47%
Assets	$192.9M +2.2% YoY-0.4% QoQ	$-38.4M	$231.3M -0.0% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	49%
Loans	$119.5M +8.9% YoY+1.7% QoQ	$-28.3M	$147.8M -1.4% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	47%
Deposits	$168.0M +0.7% YoY-1.0% QoQ	$-32.3M	$200.3M -0.0% YoY	$2.4B +8.1% YoY	$464.6M +9.3% YoY	49%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +13.5% YoY+5.9% QoQ	+0.9%	0.8% +15.5% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	Top 8.3% in tier
NIM	4.7% +11.8% YoY+2.3% QoQ	+1.1%	3.6% +6.9% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	Top 5.6% in tier
Efficiency Ratio	67.4% -3.5% YoY-0.5% QoQ	-9.8%	77.3% -3.0% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	20%
Delinquency Rate	1.6% -18.1% YoY-9.9% QoQ	+0.7	0.9% +7.6% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	Top 12.7% in tier
Loan To Share	71.1% +8.1% YoY+2.8% QoQ	-1.6%	72.7% -1.5% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	43%
AMR	$22,012 +5.5% YoY+0.4% QoQ	$-2K	$24,363 +2.9% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	47%
CD Concentration	1.1% +12.2% YoY+1.5% QoQ	-23.3%	24.4% +4.2% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.3% +20.6% YoY-12.8% QoQ	-12.7%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#101 of 340 • Top 29.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.65%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Wallet Share Momentum

growth

#423 of 481 • Top 87.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.54%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (2)

Stagnation Risk

risk

#142 of 550 • Bottom 8.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 8.90%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.58%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#394 of 550 • Bottom 23.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 1.15%

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.71%

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.65%

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

208

Loan Growth Rate

growth

Value: 8.90%

Peer Avg: -

#208 of 1077 Top 19.2% in 100M-500M tier

217

Efficiency Ratio

profitability

Value: 67.44%

Peer Avg: -

#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (3 metrics)

950

Members Per Employee (MPE)

engagement

Value: 233.214

Peer Avg: -

#950 of 1077 Bottom 11.9% in 100M-500M tier

941

Total Delinquency Rate (60+ days)

risk

Value: 1.58%

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

819

Deposit Growth Rate

growth

Value: 0.73%

Peer Avg: -

#819 of 1077 Bottom 24.0% in 100M-500M tier