BlastPoint's Credit Union Scorecard
PENTAGON
Charter #227 · VA
PENTAGON has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 4.0% in tier
- + Total Members: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 4.0% in tier
- - Institutional Decline: Bottom 20.0% in tier
- - Capital Constraint: Bottom 60.0% in tier
- - Accelerating Exit Risk: Bottom 88.0% in tier
- - Stagnation Risk: Bottom 88.0% in tier
- - Membership Headwinds: Bottom 88.0% in tier
- - Shrinking Wallet Share: Bottom 96.0% in tier
- - Efficiency ratio 4.74% above tier (higher cost structure)
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 25 credit unions with $10B+ in assets nationally, and 1 of 2 that size in Virginia.
- Shares and deposits -3.3% year over year ($25.1B in shares and deposits).
- Membership: 2,751,004 members, -2.2% vs a year ago.
- Delinquency rate 1.07%.
- Return on assets 0.98%.
- Efficiency ratio 66.30% vs a 61.57% peer average.
- Loan-to-share ratio 87.81% vs a 87.50% 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 |
2,751,004
-2.2% YoY-0.3% QoQ
|
+1.1M |
1,671,910
-4.2% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 12.0% in tier |
| Assets |
$29.2B
-2.7% YoY-0.7% QoQ
|
+$1.5B |
$27.7B
+0.2% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$22.0B
-7.1% YoY-2.1% QoQ
|
+$2.0B |
$20.0B
-0.9% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$25.1B
-3.3% YoY-0.7% QoQ
|
+$1.5B |
$23.5B
+0.4% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
1.0%
+79.2% YoY-22.2% QoQ
|
+0.0% |
1.0%
+45.0% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
2.9%
-1.7% YoY+1.3% QoQ
|
-0.3% |
3.2%
+5.4% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
66.3%
+19.4% YoY-2.8% QoQ
|
+4.7% |
61.6%
-6.2% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
1.1%
-15.1% YoY-19.7% QoQ
|
+0.0 |
1.0%
-2.7% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
87.8%
-3.9% YoY-1.4% QoQ
|
+0.3% |
87.5%
-3.0% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$17,127
-3.0% YoY-1.1% QoQ
|
$-16K |
$32,850
+5.7% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
31.8%
-15.8% YoY-3.9% QoQ
|
+1.6% | 30.2% | 18.0% | 20.0% | 52% |
| Indirect Auto % |
1.0%
-44.8% YoY-28.6% QoQ
|
-14.0% | 15.0% | 9.3% | 7.7% | 16% |
Signature Analysis
Strengths (0)
Concerns (7)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)