BlastPoint's Credit Union Scorecard
HALIFAX COUNTY COMMUNITY
Charter #23760 · VA
<100M
2508 CUs in <100M nationally
48 in VA
HALIFAX COUNTY COMMUNITY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 1.1% in tier
- + Deposit Growth Rate: Top 4.2% in tier
- + Asset Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.64% below tier average
- - Efficiency ratio 71.18% above tier (higher cost structure)
- - Member decline: -6.7% YoY
- - Net Worth Ratio: Bottom 1.4% in tier
- - Net Interest Margin (NIM): Bottom 5.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Loan-to-Share Ratio: Bottom 7.5% in tier
- - Average Member Relationship (AMR): Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,611
-6.7% YoY+1.4% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$7.2M
+11.6% YoY+7.4% QoQ
|
$-23.0M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$1.7M
+113.4% YoY+19.0% QoQ
|
$-13.6M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$6.7M
+13.6% YoY+8.4% QoQ
|
$-19.1M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
-1.5%
-270.0% YoY+758.6% QoQ
|
-1.6% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.2% in tier |
| NIM |
2.3%
-2.4% YoY-25.4% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.8% in tier |
| Efficiency Ratio |
161.8%
-0.4% YoY+33.9% QoQ
|
+71.2% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate |
0.9%
-42.9% YoY-61.7% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
25.2%
+87.8% YoY+9.8% QoQ
|
-33.4% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.4% in tier |
| AMR |
$5,213
+34.4% YoY+8.8% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.7% in tier |
| CD Concentration |
33.9%
+19.6% YoY+4.8% QoQ
|
+9.6% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
7
Loan Growth Rate
growth
Value:
113.41%
Peer Median: -2.36%
#7 of 2508
Top 0.2% in <100M tier
28
AMR Growth Rate
growth
Value:
34.43%
Peer Median: 1.27%
#28 of 2508
Top 1.1% in <100M tier
107
Deposit Growth Rate
growth
Value:
13.61%
Peer Median: 0.66%
#107 of 2508
Top 4.2% in <100M tier
138
Asset Growth Rate
growth
Value:
11.57%
Peer Median: 1.30%
#138 of 2508
Top 5.5% in <100M tier
289
Members Per Employee (MPE)
engagement
Value:
537.000
Peer Median: 333.750
#289 of 2508
Top 11.5% in <100M tier
492
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Median: 0.07%
#492 of 2508
Top 19.6% in <100M tier
Top Weaknesses (11 metrics)
2475
Net Worth Ratio
risk
Value:
6.54%
Peer Median: 14.28%
#2475 of 2508
Bottom 1.4% in <100M tier
2447
Efficiency Ratio
profitability
Value:
161.81%
Peer Median: 81.45%
#2447 of 2508
Bottom 2.5% in <100M tier
2363
Net Interest Margin (NIM)
profitability
Value:
2.31%
Peer Median: 3.83%
#2363 of 2508
Bottom 5.8% in <100M tier
2358
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,048
Peer Median: $4,923
#2358 of 2508
Bottom 6.0% in <100M tier
2352
Return on Assets (ROA)
profitability
Value:
-1.49%
Peer Median: 0.61%
#2352 of 2508
Bottom 6.3% in <100M tier
2321
Loan-to-Share Ratio
balance_sheet
Value:
25.16%
Peer Median: 58.72%
#2321 of 2508
Bottom 7.5% in <100M tier
2265
Average Member Relationship (AMR)
engagement
Value:
$5,213
Peer Median: $13,926
#2265 of 2508
Bottom 9.7% in <100M tier
2232
Member Growth Rate
growth
Value:
-6.72%
Peer Median: -1.37%
#2232 of 2508
Bottom 11.0% in <100M tier
2194
Share Certificate Concentration (%)
balance_sheet
Value:
33.86%
Peer Median: 12.45%
#2194 of 2508
Bottom 12.6% in <100M tier
2135
Fee Income Per Member
profitability
Value:
$4.70
Peer Median: $60.42
#2135 of 2508
Bottom 14.9% in <100M tier