BlastPoint's Credit Union Scorecard
VITELCO EMPLOYEES
Charter #23294 · VI
VITELCO EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 7.10% below tier average
- - Efficiency ratio 209.50% above tier (higher cost structure)
- - Delinquency rate 4.03% above tier average
- - Net Worth Ratio: Bottom 0.8% in tier
- - Members Per Employee (MPE): Bottom 5.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.1% in tier
- - Total Loans: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
332
0% YoY-0.6% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
3,610
+2.2% YoY
|
33,913
+5.7% YoY
|
Bottom 8.5% in tier |
| Assets |
$1.6M
-6.4% YoY+0.5% QoQ
|
$-28.6M |
$30.2M
+1.3% YoY
|
$33.4M
+0.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.8% in tier |
| Loans |
$378,271
+3.6% YoY-1.4% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$12.8M
+3.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.2% in tier |
| Deposits |
$1.5M
-2.3% YoY+2.4% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$26.8M
-0.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.0% in tier |
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| ROA |
-7.0%
+41.8% YoY+94.2% QoQ
|
-7.1% |
0.1%
-77.6% YoY
|
-0.5%
-185.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.1% in tier |
| NIM |
3.1%
+2.6% YoY-7.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
4.5%
+3.8% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
300.1%
+26.7% YoY+68.9% QoQ
|
+209.5% |
90.6%
+6.5% YoY
|
115.0%
+7.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
5.5%
+130.6% YoY+39.1% QoQ
|
+4.0 |
1.5%
+3.8% YoY
|
1.9%
+70.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.1% in tier |
| Loan To Share |
25.3%
+6.0% YoY-3.7% QoQ
|
-33.2% |
58.5%
-3.0% YoY
|
38.4%
+5.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.6% in tier |
| AMR |
$5,640
-1.1% YoY+2.3% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$9,448
-0.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.7% in tier |
| CD Concentration |
0.1%
-2.4% QoQ
|
-24.2% | 24.3% | 4.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)