BlastPoint's Credit Union Scorecard
CENTRAL VIRGINIA
Charter #22307 · VA
CENTRAL VIRGINIA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.84% 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 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.46% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,053
-0.9% YoY-0.1% QoQ
|
-2.4K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$192.6M
+1.2% YoY-0.2% QoQ
|
$-39.3M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$119.4M
+3.7% YoY-0.1% QoQ
|
$-27.9M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$167.0M
-0.5% YoY-0.6% QoQ
|
$-33.8M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
48% |
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 |
1.6%
+10.9% YoY-2.9% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 8.6% in tier |
| NIM |
4.7%
+10.8% YoY+0.5% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
68.5%
-2.2% YoY+1.6% QoQ
|
-8.5% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
1.4%
-4.5% YoY-14.7% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
71.5%
+4.2% YoY+0.6% QoQ
|
-0.7% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$21,939
+2.2% YoY-0.3% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
1.1%
-1.8% YoY+0.2% QoQ
|
-23.3% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
1.1%
+28.8% YoY-10.4% QoQ
|
-12.7% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
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)