BlastPoint's Credit Union Scorecard
VITELCO EMPLOYEES
Charter #23294 · VI
VITELCO EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.48% above tier average
- + Net Charge-Off Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 171.03% above tier (higher cost structure)
- - Delinquency rate 5.87% above tier average
- - Net Worth Ratio: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Total Loans: Bottom 6.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.6% in tier
- - Total Assets: Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Virgin Islands.
- Shares and deposits -3.2% year over year ($1.5M in shares and deposits).
- Membership: 330 members, -0.9% vs a year ago.
- Delinquency rate 7.42%.
- Return on assets 5.97%.
- Efficiency ratio 259.79% vs a 88.77% peer average.
- Loan-to-share ratio 29.62% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
330
-0.9% YoY-0.6% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
3,594
+1.2% YoY
|
34,678
+6.6% YoY
|
Bottom 8.6% in tier |
| Assets |
$1.6M
-6.2% YoY+0.1% QoQ
|
$-28.7M |
$30.3M
+1.5% YoY
|
$33.5M
+0.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.6% in tier |
| Loans |
$443,295
+21.6% YoY+17.2% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$12.8M
+2.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.9% in tier |
| Deposits |
$1.5M
-3.2% YoY+0.2% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$26.8M
-0.7% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.0% in tier |
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| ROA |
6.0%
-230.9% YoY-185.9% QoQ
|
+4.5% |
1.5%
+241.5% YoY
|
2.1%
+259.2% YoY
|
1.2%
+121.4% YoY
|
Top 1.4% in tier |
| NIM |
3.3%
+5.2% YoY+6.3% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
4.5%
+1.9% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
259.8%
+15.9% YoY-13.4% QoQ
|
+171.0% |
88.8%
-6.9% YoY
|
108.0%
+13.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
7.4%
+1051.1% YoY+34.1% QoQ
|
+5.9 |
1.5%
+2.1% YoY
|
2.0%
+126.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
29.6%
+25.7% YoY+17.0% QoQ
|
-29.3% |
58.9%
-3.1% YoY
|
39.3%
+6.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.7% in tier |
| AMR |
$5,879
+2.4% YoY+4.2% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$9,499
-0.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.4% in tier |
| CD Concentration |
0.1%
-0.2% QoQ
|
-24.5% | 24.6% | 4.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)