BlastPoint's Credit Union Scorecard
PENTAGON
Charter #227 · VA
PENTAGON has 4 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Members Per Employee (MPE): Top 4.2% in tier
- + Total Loans: Top 8.3% in tier
- + Total Members: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 4.2% in tier
- - Institutional Decline: Bottom 20.8% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 58.3% in tier
- - Stagnation Risk: Bottom 87.5% in tier
- - Accelerating Exit Risk: Bottom 87.5% in tier
- - Membership Headwinds: Bottom 87.5% in tier
- - Shrinking Wallet Share: Bottom 100.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,759,060
-2.7% YoY+0.2% QoQ
|
+1.0M |
1,712,610
-8.0% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Top 12.5% in tier |
| Assets |
$29.4B
-3.9% YoY+0.4% QoQ
|
+$1.2B |
$28.2B
-3.2% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$22.5B
-7.2% YoY-1.3% QoQ
|
+$2.4B |
$20.2B
-4.4% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Top 12.5% in tier |
| Deposits |
$25.3B
-6.7% YoY+0.3% QoQ
|
+$1.2B |
$24.1B
-2.9% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
1.3%
+63.9% YoY+145.3% QoQ
|
+0.4% |
0.9%
+31.5% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
2.9%
-0.9% YoY-5.4% QoQ
|
-0.3% |
3.2%
+4.6% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
68.2%
+32.9% YoY+12.7% QoQ
|
+4.3% |
63.9%
-3.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
1.3%
+4.2% YoY+4.3% QoQ
|
+0.4 |
0.9%
-6.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
89.1%
-0.6% YoY-1.6% QoQ
|
+3.1% |
86.0%
-3.3% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$17,314
-4.3% YoY-0.7% QoQ
|
$-15K |
$32,099
+9.5% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
33.1%
-16.2% YoY-5.2% QoQ
|
+2.9% | 30.2% | 18.0% | 19.8% | 54% |
| Indirect Auto % |
1.4%
-31.6% YoY+1.3% QoQ
|
-13.6% | 14.9% | 9.4% | 7.7% | 17% |
Signature Analysis
Strengths (0)
Concerns (8)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)