BlastPoint's Credit Union Scorecard
HALIFAX COUNTY COMMUNITY
Charter #23760 · VA
HALIFAX COUNTY COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 0.4% in tier
- + AMR Growth Rate: Top 2.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 38.25% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - Member decline: -7.7% YoY
- - Net Worth Ratio: Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Loan-to-Share Ratio: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,588
-7.7% YoY-0.3% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$6.7M
+3.7% YoY-3.0% QoQ
|
$-23.4M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$1.4M
+76.5% YoY+55.0% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.0% in tier |
| Deposits |
$6.2M
+4.0% YoY-3.3% QoQ
|
$-19.5M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
-0.2%
-70.2% YoY-15.2% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.8% in tier |
| NIM |
3.1%
+13.1% YoY+19.1% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
120.8%
+2.1% YoY-9.6% QoQ
|
+38.3% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate |
2.3%
+12.5% YoY-30.0% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
22.9%
+69.7% YoY+60.2% QoQ
|
-37.7% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.8% in tier |
| AMR |
$4,790
+22.0% YoY+4.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
32.3%
+3.6% YoY+4.7% QoQ
|
+7.9% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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)