BlastPoint's Credit Union Scorecard
VITELCO EMPLOYEES
Charter #23294 ยท VI
2596 CUs in <100M nationally
5 in VI
VITELCO EMPLOYEES has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 6.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.3% in tier
- + Member Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 4.95% below tier average
- - Efficiency ratio 131.44% above tier (higher cost structure)
- - Delinquency rate 1.00% above tier average
- - Net Worth Ratio: Bottom 1.0% in tier
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Loan-to-Share Ratio: Bottom 6.0% in tier
- - Total Loans: Bottom 6.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
- - Total Members: Bottom 8.9% in tier
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
333
+6.7% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
3,577
+2.2% YoY
|
33,089
+6.1% YoY
|
Bottom 8.9% in tier |
| Assets |
$1.8M
-0.9% YoY+5.3% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$33.5M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.9% in tier |
| Loans |
$380,704
+2.3% YoY+4.4% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$12.5M
+4.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.4% in tier |
| Deposits |
$1.7M
+3.6% YoY+7.0% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$27.0M
+2.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.7% in tier |
| ROA |
-4.3%
+15.1% YoY-6.4% QoQ
|
-5.0% |
0.7%
-731.4% YoY
|
0.6%
+10.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.4% in tier |
| NIM |
3.1%
+18.1% YoY-0.1% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
4.4%
+10.8% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
212.8%
-1.4% YoY-5.0% QoQ
|
+131.4% |
81.4%
-2.4% YoY
|
91.8%
-3.3% YoY
|
79.1%
-3.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
2.5%
+468.2% YoY+289.2% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.5%
+66.5% YoY
|
1.2%
-0.9% YoY
|
85% |
| Loan To Share |
23.0%
-1.2% YoY-2.3% QoQ
|
-38.2% |
61.2%
-3.0% YoY
|
37.3%
+1.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.8% in tier |
| AMR |
$6,111
-3.2% YoY+6.5% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$9,575
+1.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
5.0%
+3.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.0% |
7.9%
-2.9% YoY
|
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
9
Net Charge-Off Rate
risk
Value:
-1.93%
Peer Avg: 0.57%
#9 of 2596
Top 0.3% in <100M tier
140
Member Growth Rate
growth
Value:
6.73%
Peer Avg: 14.92%
#140 of 2596
Top 5.4% in <100M tier
Top Weaknesses (14 metrics)
2570
Net Worth Ratio
risk
Value:
6.50%
Peer Avg: 16.43%
#2570 of 2596
Bottom 1.0% in <100M tier
2568
Efficiency Ratio
profitability
Value:
212.83%
Peer Avg: 81.39%
#2568 of 2596
Bottom 1.1% in <100M tier
2560
Return on Assets (ROA)
profitability
Value:
-4.27%
Peer Avg: 0.68%
#2560 of 2596
Bottom 1.4% in <100M tier
2460
Members Per Employee (MPE)
engagement
Value:
83.250
Peer Avg: 365.701
#2460 of 2596
Bottom 5.3% in <100M tier
2441
Loan-to-Share Ratio
balance_sheet
Value:
23.02%
Peer Avg: 61.23%
#2441 of 2596
Bottom 6.0% in <100M tier
2431
Total Loans
balance_sheet
Value:
$380,704
Peer Avg: $15.77M
#2431 of 2596
Bottom 6.4% in <100M tier
2424
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,143
Peer Avg: $5,488
#2424 of 2596
Bottom 6.7% in <100M tier
2366
Total Members
engagement
Value:
333
Peer Avg: 2,626
#2366 of 2596
Bottom 8.9% in <100M tier
2365
Total Assets
balance_sheet
Value:
$1.79M
Peer Avg: $29.86M
#2365 of 2596
Bottom 8.9% in <100M tier
2319
Total Deposits
balance_sheet
Value:
$1.65M
Peer Avg: $25.45M
#2319 of 2596
Bottom 10.7% in <100M tier