BlastPoint's Credit Union Scorecard

PENTAGON

Charter #227 · VA

Titans 10B+
21 CUs in 10B+ nationally 2 in VA
View Titans leaderboard →

PENTAGON has 3 strengths but faces 18 concerns

National Analysis

How does the industry compare?
Titans Tier

What's your peer group doing?
VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Members Per Employee (MPE): Top 4.8% in tier
  • + Total Members: Top 9.5% in tier
  • + Total Loans: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Accelerating Exit Risk: Bottom 0.0% in tier
  • - Capital Constraint: Bottom 0.0% in tier
  • - Institutional Decline: Bottom 0.0% in tier
  • - Shrinking Wallet Share: Bottom 0.0% in tier
  • - Membership Headwinds: Bottom 12.5% in tier
  • - Stagnation Risk: Bottom 25.0% in tier
  • - Liquidity Strain: Bottom 31.2% in tier
  • - ROA 0.26% below tier average
  • - Delinquency rate 0.27% above tier average
  • - Member decline: -3.1% YoY
  • - Asset Growth Rate: Bottom 4.8% in tier
  • - Loan Growth Rate: Bottom 4.8% in tier
  • - Deposit Growth Rate: Bottom 4.8% in tier
  • - AMR Growth Rate: Bottom 4.8% in tier
  • - Average Member Relationship (AMR): Bottom 4.8% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.8% in tier
  • - Member Growth Rate: Bottom 9.5% in tier
  • - Net Charge-Off Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 2,748,653
-3.1% YoY-2.3% QoQ
 +926.2K 1,822,416
+4.1% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Top 14.3% in tier
Assets $29.4B
-10.3% YoY-2.1% QoQ
 +$636.0M $28.7B
+4.2% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 81%
Loans $23.0B
-11.8% YoY-3.0% QoQ
 +$1.9B $21.1B
+5.8% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 14.3% in tier
Deposits $25.4B
-9.6% YoY-2.0% QoQ
 +$989.9M $24.4B
+7.2% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 76%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.5%
+113.0% YoY-8.4% QoQ
 -0.3% 0.8%
+17.7% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 24%
NIM 3.0%
+5.0% YoY+2.0% QoQ
 -0.1% 3.1%
+10.6% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 52%
Efficiency Ratio 58.1%
+1.7% YoY+4.5% QoQ
 -6.2% 64.3%
-4.3% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 33%
Delinquency Rate 1.5%
-19.3% YoY+15.3% QoQ
 +0.3 1.2%
+9.7% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 71%
Loan To Share 90.5%
-2.4% YoY-1.0% QoQ
 +0.7% 89.8%
-0.3% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 48%
AMR $17,616
-7.7% YoY-0.2% QoQ
 $-14K $31,184
+7.8% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Bottom 0.0% in tier
CD Concentration 36.4%
-19.9% YoY-3.7% QoQ
 +4.5% 31.9%
+2.0% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 71%
Indirect Auto % 1.6%
-35.4% YoY-11.5% QoQ
 -12.7% 14.2%
-8.9% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 19%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline
#1 of 1 • Bottom 0.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -3.14%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -7.74%
(Tier: 2.80%, National: 4.19%)
worse than tier avg
1 of 21 Titans CUs have this signature | 73 nationally
→ Stable (2→1 CUs) -1 CUs YoY

Capital Constraint

risk
#1 of 2 • Bottom 0.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 90.49%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -9.58%
(Tier: 6.48%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 10.64%
(Tier: 10.22%, National: 14.51%)
but better than tier avg
2 of 21 Titans CUs have this signature | 29 nationally
→ Stable (1→2 CUs) +1 CUs YoY | New qualifier

Institutional Decline

decline
#1 of 1 • Bottom 0.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $29.35B
(Tier: $28.72B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -3.14%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -11.78%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
1 of 21 Titans CUs have this signature | 293 nationally
→ Stable (3→1 CUs) -2 CUs YoY

Shrinking Wallet Share

decline
#1 of 4 • Bottom 0.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -7.74%
(Tier: 2.80%, National: 4.19%)
worse than tier avg
4 of 21 Titans CUs have this signature | 346 nationally
↓ Shrinking -9 CUs YoY

Membership Headwinds

decline
#2 of 3 • Bottom 12.5% in tier

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

Why This Signature
Member Growth (YoY): -3.14%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
3 of 21 Titans CUs have this signature | 648 nationally
→ Stable (3→3 CUs)

Stagnation Risk

risk
#3 of 3 • Bottom 25.0% 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): -3.14%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -11.78%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
Delinquency Rate: 1.46%
(Tier: 1.18%, National: 1.23%)
worse than tier avg
3 of 21 Titans CUs have this signature | 648 nationally
→ Stable (3→3 CUs)

Liquidity Strain

risk
#11 of 11 • Bottom 31.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.49%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -11.78%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
11 of 21 Titans CUs have this signature | 484 nationally
→ Stable (11→11 CUs)

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)

Comparing against 21 peers in tier

Top Strengths (6 metrics)

2
Members Per Employee (MPE)
engagement
Value: 976.084
Peer Avg: -
#2 of 21 Top 4.8% in 10B+ tier
3
Total Members
engagement
Value: 2,748,653
Peer Avg: -
#3 of 21 Top 9.5% in 10B+ tier
3
Total Loans
balance_sheet
Value: $23.00B
Peer Avg: -
#3 of 21 Top 9.5% in 10B+ tier
4
Total Assets
balance_sheet
Value: $29.35B
Peer Avg: -
#4 of 21 Top 14.3% in 10B+ tier
5
Indirect Auto Concentration (%)
balance_sheet
Value: 1.58%
Peer Avg: -
#5 of 21 Top 19.0% in 10B+ tier
5
Total Deposits
balance_sheet
Value: $25.42B
Peer Avg: -
#5 of 21 Top 19.0% in 10B+ tier

Top Weaknesses (9 metrics)

21
Asset Growth Rate
growth
Value: -10.28%
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Loan Growth Rate
growth
Value: -11.78%
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Deposit Growth Rate
growth
Value: -9.58%
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
AMR Growth Rate
growth
Value: -7.74%
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Average Member Relationship (AMR)
engagement
Value: $17,616
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Loan-to-Member Ratio (LMR)
engagement
Value: $8,368
Peer Avg: -
#21 of 21 Bottom 4.8% in 10B+ tier
20
Member Growth Rate
growth
Value: -3.14%
Peer Avg: -
#20 of 21 Bottom 9.5% in 10B+ tier
20
Net Charge-Off Rate
risk
Value: 1.55%
Peer Avg: -
#20 of 21 Bottom 9.5% in 10B+ tier
18
First Mortgage Concentration (%)
balance_sheet
Value: 51.05%
Peer Avg: -
#18 of 21 Bottom 19.0% in 10B+ tier
Link copied to clipboard!