BlastPoint's Credit Union Scorecard
CENTRAL VIRGINIA
Charter #22307 · VA
CENTRAL VIRGINIA has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 0.78% above tier average
- + Share Certificate Concentration (%): Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,991
-1.1% YoY-0.5% QoQ
|
-2.2K |
15,145
-2.5% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$201.1M
+2.3% YoY+4.5% QoQ
|
$-30.6M |
$231.7M
+0.8% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$118.2M
+0.3% YoY-1.0% QoQ
|
$-25.9M |
$144.1M
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$174.9M
+0.9% YoY+4.8% QoQ
|
$-26.2M |
$201.1M
+0.4% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
1.3%
-4.8% YoY-18.0% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
4.4%
-2.7% YoY-6.8% QoQ
|
+0.8% |
3.6%
+4.6% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
73.2%
+5.1% YoY+6.8% QoQ
|
-4.9% |
78.0%
-1.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
1.2%
+15.8% YoY-10.0% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
67.6%
-0.6% YoY-5.5% QoQ
|
-2.8% |
70.4%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$22,566
+1.7% YoY+2.9% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
1.2%
+7.4% YoY+3.8% QoQ
|
-23.1% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
1.0%
+31.8% YoY-11.2% QoQ
|
-12.8% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)