BlastPoint's Credit Union Scorecard

PENTAGON

Charter #227 · VA

Titans 10B+
21 CUs in 10B+ nationally 2 in VA
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PENTAGON has 3 strengths but faces 17 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 Loans: Top 9.5% in tier
  • + Total Members: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 0.0% in tier
  • - Stagnation Risk: Bottom 33.3% in tier
  • - Accelerating Exit Risk: Bottom 50.0% in tier
  • - Institutional Decline: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 66.7% in tier
  • - Capital Constraint: Bottom 100.0% in tier
  • - Liquidity Strain: Bottom 100.0% in tier
  • - ROA 0.22% below tier average
  • - Delinquency rate 0.09% above tier average
  • - Member decline: -2.8% 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
  • - Net Charge-Off Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 2,752,809
-2.8% YoY+0.2% QoQ
 +921.5K 1,831,295
-0.2% YoY
 222,299
+7.3% YoY
 33,374
+5.7% YoY
 Top 14.3% in tier
Assets $29.3B
-5.5% YoY-0.2% QoQ
 +$142.9M $29.1B
+3.6% YoY
 $2.9B
+9.9% YoY
 $561.6M
+9.7% YoY
 76%
Loans $22.8B
-8.5% YoY-0.9% QoQ
 +$1.4B $21.4B
+2.0% YoY
 $2.1B
+6.6% YoY
 $397.0M
+8.8% YoY
 Top 14.3% in tier
Deposits $25.2B
-6.9% YoY-0.9% QoQ
 +$324.9M $24.9B
+4.3% YoY
 $2.5B
+10.1% YoY
 $477.3M
+9.7% YoY
 76%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.5%
+352.3% YoY+2.5% QoQ
 -0.2% 0.7%
+30.7% YoY
 0.6%
+3.1% YoY
 0.7%
+15.9% YoY
 24%
NIM 3.1%
+2.4% YoY+0.5% QoQ
 -0.1% 3.1%
+7.9% YoY
 3.9%
+2.0% YoY
 3.8%
+5.1% YoY
 52%
Efficiency Ratio 60.5%
+4.6% YoY+4.2% QoQ
 -4.1% 64.6%
-4.0% YoY
 80.2%
-0.6% YoY
 79.7%
-3.3% YoY
 38%
Delinquency Rate 1.3%
-0.6% YoY-12.2% QoQ
 +0.1 1.2%
+0.3% YoY
 1.4%
-11.9% YoY
 1.3%
-2.1% YoY
 57%
Loan To Share 90.5%
-1.8% YoY-0.0% QoQ
 +1.4% 89.1%
-2.0% YoY
 65.1%
-5.8% YoY
 67.4%
-1.7% YoY
 48%
AMR $17,436
-5.0% YoY-1.0% QoQ
 $-14K $31,580
+8.5% YoY
 $18,904
+2.4% YoY
 $19,687
+2.0% YoY
 Bottom 0.0% in tier
CD Concentration 34.9%
-16.1% YoY-4.1% QoQ
 +3.5% 31.4% 18.3% 19.8% 71%
Indirect Auto % 1.4%
-39.5% YoY-13.7% QoQ
 -12.8% 14.1% 9.6% 7.8% 19%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Shrinking Wallet Share

decline
#1 of 3 • 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): -4.96%
(Tier: 3.27%, National: 4.00%)
worse than tier avg
3 of 21 Titans CUs have this signature | 303 nationally
↓ Shrinking -6 CUs YoY

Stagnation Risk

risk
#2 of 4 • Bottom 33.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -2.84%
(Tier: 3.16%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -8.54%
(Tier: 6.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 1.28%
(Tier: 1.19%, National: 1.28%)
worse than tier avg
4 of 21 Titans CUs have this signature | 652 nationally
→ No prior data (4 CUs now) | New qualifier

Accelerating Exit Risk

decline
#1 of 1 • Bottom 50.0% in tier

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

Why This Signature
Member Growth (YoY): -2.84%
(Tier: 3.16%, National: 4.32%)
worse than tier avg
AMR Growth (YoY): -4.96%
(Tier: 3.27%, National: 4.00%)
worse than tier avg
1 of 21 Titans CUs have this signature | 69 nationally
→ No prior data (1 CUs now) | New qualifier

Institutional Decline

decline
#1 of 1 • Bottom 50.0% in tier

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

Why This Signature
Total Assets: $29.29B
(Tier: $29.15B, National: $561.61M)
but better than tier avg
Member Growth (YoY): -2.84%
(Tier: 3.16%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -8.54%
(Tier: 6.11%, National: 111.96%)
worse than tier avg
1 of 21 Titans CUs have this signature | 277 nationally
→ No prior data (1 CUs now) | New qualifier

Membership Headwinds

decline
#3 of 4 • Bottom 66.7% in tier

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

Why This Signature
Member Growth (YoY): -2.84%
(Tier: 3.16%, National: 4.32%)
worse than tier avg
4 of 21 Titans CUs have this signature | 652 nationally
→ No prior data (4 CUs now) | New qualifier

Capital Constraint

risk
#2 of 2 • Bottom 100.0% 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: 89.10%, National: 67.44%)
but better than tier avg
Deposit Growth (YoY): -6.86%
(Tier: 6.83%, National: 13.79%)
worse than tier avg
Net Worth Ratio: 10.19%
(Tier: 10.14%, National: 14.49%)
but better than tier avg
2 of 21 Titans CUs have this signature | 32 nationally
→ No prior data (2 CUs now) | New qualifier

Liquidity Strain

risk
#12 of 12 • Bottom 100.0% 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: 89.10%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): -8.54%
(Tier: 6.11%, National: 111.96%)
worse than tier avg
12 of 21 Titans CUs have this signature | 439 nationally
→ Stable (11→12 CUs) +1 CUs YoY

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: 985.610
Peer Median: -
#2 of 21 Top 4.8% in 10B+ tier
3
Total Loans
balance_sheet
Value: $22.80B
Peer Median: -
#3 of 21 Top 9.5% in 10B+ tier
3
Total Members
engagement
Value: 2,752,809
Peer Median: -
#3 of 21 Top 9.5% in 10B+ tier
5
Total Assets
balance_sheet
Value: $29.29B
Peer Median: -
#5 of 21 Top 19.0% in 10B+ tier
5
Total Deposits
balance_sheet
Value: $25.20B
Peer Median: -
#5 of 21 Top 19.0% in 10B+ tier
5
Indirect Auto Concentration (%)
balance_sheet
Value: 1.36%
Peer Median: -
#5 of 21 Top 19.0% in 10B+ tier

Top Weaknesses (9 metrics)

21
Asset Growth Rate
growth
Value: -5.55%
Peer Median: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Loan Growth Rate
growth
Value: -8.54%
Peer Median: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Deposit Growth Rate
growth
Value: -6.86%
Peer Median: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
AMR Growth Rate
growth
Value: -4.96%
Peer Median: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Average Member Relationship (AMR)
engagement
Value: $17,436
Peer Median: -
#21 of 21 Bottom 4.8% in 10B+ tier
21
Loan-to-Member Ratio (LMR)
engagement
Value: $8,282
Peer Median: -
#21 of 21 Bottom 4.8% in 10B+ tier
20
Net Charge-Off Rate
risk
Value: 1.81%
Peer Median: -
#20 of 21 Bottom 9.5% in 10B+ tier
19
Member Growth Rate
growth
Value: -2.84%
Peer Median: -
#19 of 21 Bottom 14.3% in 10B+ tier
18
First Mortgage Concentration (%)
balance_sheet
Value: 50.56%
Peer Median: -
#18 of 21 Bottom 19.0% in 10B+ tier
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