BlastPoint's Credit Union Scorecard
HALIFAX COUNTY COMMUNITY
Charter #23760 · VA
2596 CUs in <100M nationally
49 in VA
HALIFAX COUNTY COMMUNITY has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.2% in tier
- + AMR Growth Rate: Top 2.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Efficiency ratio 52.21% above tier (higher cost structure)
- - Delinquency rate 1.80% above tier average
- - Member decline: -10.0% YoY
- - Net Worth Ratio: Bottom 2.2% in tier
- - Loan-to-Share Ratio: Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- - Member Growth Rate: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 8.1% in tier
- - Net Interest Margin (NIM): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,593
-10.0% YoY-7.3% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$6.9M
+3.9% YoY+3.3% QoQ
|
$-22.9M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$915,064
+23.1% YoY+14.9% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.9% in tier |
| Deposits |
$6.4M
+4.5% YoY+3.7% QoQ
|
$-19.1M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
-0.2%
-66.1% YoY-92.0% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.3% in tier |
| NIM |
2.6%
-6.9% YoY+13.1% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
133.6%
+14.0% YoY-10.8% QoQ
|
+52.2% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 3.2% in tier |
| Delinquency Rate |
3.3%
+82.1% YoY+4.8% QoQ
|
+1.8 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 10.4% in tier |
| Loan To Share |
14.3%
+17.8% YoY+10.9% QoQ
|
-46.9% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.6% in tier |
| AMR |
$4,591
+18.3% YoY+13.3% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.1% in tier |
| CD Concentration |
30.9%
+5.8% YoY-0.4% QoQ
|
+6.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
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: -
#1 of 2596
Top 0.0% in <100M tier
58
Loan Growth Rate
growth
Value:
23.06%
Peer Avg: -
#58 of 2596
Top 2.2% in <100M tier
77
AMR Growth Rate
growth
Value:
18.31%
Peer Avg: -
#77 of 2596
Top 2.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
323
Members Per Employee (MPE)
engagement
Value:
531.000
Peer Avg: -
#323 of 2596
Top 12.4% in <100M tier
Top Weaknesses (12 metrics)
2540
Net Worth Ratio
risk
Value:
7.22%
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2524
Loan-to-Share Ratio
balance_sheet
Value:
14.30%
Peer Avg: -
#2524 of 2596
Bottom 2.8% in <100M tier
2514
Efficiency Ratio
profitability
Value:
133.60%
Peer Avg: -
#2514 of 2596
Bottom 3.2% in <100M tier
2492
Loan-to-Member Ratio (LMR)
engagement
Value:
$574.43
Peer Avg: -
#2492 of 2596
Bottom 4.0% in <100M tier
2445
Member Growth Rate
growth
Value:
-10.00%
Peer Avg: -
#2445 of 2596
Bottom 5.9% in <100M tier
2386
Average Member Relationship (AMR)
engagement
Value:
$4,591
Peer Avg: -
#2386 of 2596
Bottom 8.1% in <100M tier
2363
Net Interest Margin (NIM)
profitability
Value:
2.60%
Peer Avg: -
#2363 of 2596
Bottom 9.0% in <100M tier
2327
Total Delinquency Rate (60+ days)
risk
Value:
3.31%
Peer Avg: -
#2327 of 2596
Bottom 10.4% in <100M tier
2314
Total Loans
balance_sheet
Value:
$915,064
Peer Avg: -
#2314 of 2596
Bottom 10.9% in <100M tier
2277
Return on Assets (ROA)
profitability
Value:
-0.21%
Peer Avg: -
#2277 of 2596
Bottom 12.3% in <100M tier