BlastPoint's Credit Union Scorecard
VITELCO EMPLOYEES
Charter #23294 · VI
2556 CUs in <100M nationally
5 in VI
VITELCO EMPLOYEES has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.4% in tier
- + Member Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 4.20% below tier average
- - Efficiency ratio 95.10% above tier (higher cost structure)
- - Delinquency rate 2.43% above tier average
- - Net Worth Ratio: Bottom 1.8% in tier
- - Members Per Employee (MPE): Bottom 5.2% in tier
- - Total Loans: Bottom 6.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.3% in tier
- - Loan-to-Share Ratio: Bottom 7.4% in tier
- - Total Assets: Bottom 7.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.8% in tier
- - Total Members: Bottom 8.8% in tier
- - Total Deposits: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
334
+7.7% YoY+0.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
3,601
+2.7% YoY
|
33,374
+5.7% YoY
|
Bottom 8.8% in tier |
| Assets |
$1.6M
-3.0% YoY-11.5% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$33.3M
+4.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.7% in tier |
| Loans |
$383,546
+5.2% YoY+0.7% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$12.9M
+5.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.1% in tier |
| Deposits |
$1.5M
+1.1% YoY-11.8% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$26.7M
+2.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.0% in tier |
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| ROA |
-3.6%
+55.1% YoY-16.1% QoQ
|
-4.2% |
0.6%
+10.8% YoY
|
0.6%
-9.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.5% in tier |
| NIM |
3.3%
+20.7% YoY+7.1% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.6%
+11.2% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
177.7%
+22.9% YoY-16.5% QoQ
|
+95.1% |
82.6%
-2.3% YoY
|
86.6%
+5.4% YoY
|
79.7%
-3.3% YoY
|
Top 1.4% in tier |
| Delinquency Rate |
4.0%
+1214.9% YoY+58.6% QoQ
|
+2.4 |
1.6%
-3.1% YoY
|
1.5%
+184.0% YoY
|
1.3%
-2.1% YoY
|
Top 8.8% in tier |
| Loan To Share |
26.3%
+4.0% YoY+14.3% QoQ
|
-34.3% |
60.6%
-3.1% YoY
|
39.1%
+2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.3% in tier |
| AMR |
$5,515
-5.4% YoY-9.7% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$9,420
+0.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.6% in tier |
| CD Concentration | 0.1% | -24.3% | 24.4% | 5.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
11
Net Charge-Off Rate
risk
Value:
-1.90%
Peer Median: -
#11 of 2556
Top 0.4% in <100M tier
102
Member Growth Rate
growth
Value:
7.74%
Peer Median: -
#102 of 2556
Top 4.0% in <100M tier
534
Loan Growth Rate
growth
Value:
5.19%
Peer Median: -
#534 of 2556
Top 20.9% in <100M tier
574
Share Certificate Concentration (%)
balance_sheet
Value:
0.08%
Peer Median: -
#574 of 2556
Top 22.4% in <100M tier
Top Weaknesses (14 metrics)
2522
Efficiency Ratio
profitability
Value:
177.66%
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2518
Return on Assets (ROA)
profitability
Value:
-3.58%
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2512
Net Worth Ratio
risk
Value:
7.06%
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2425
Members Per Employee (MPE)
engagement
Value:
83.500
Peer Median: -
#2425 of 2556
Bottom 5.2% in <100M tier
2400
Total Loans
balance_sheet
Value:
$383,546
Peer Median: -
#2400 of 2556
Bottom 6.1% in <100M tier
2397
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,148
Peer Median: -
#2397 of 2556
Bottom 6.3% in <100M tier
2367
Loan-to-Share Ratio
balance_sheet
Value:
26.30%
Peer Median: -
#2367 of 2556
Bottom 7.4% in <100M tier
2358
Total Assets
balance_sheet
Value:
$1.59M
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier
2333
Total Delinquency Rate (60+ days)
risk
Value:
3.98%
Peer Median: -
#2333 of 2556
Bottom 8.8% in <100M tier
2331
Total Members
engagement
Value:
334
Peer Median: -
#2331 of 2556
Bottom 8.8% in <100M tier